PCS Insurance Guide

New Duty Station. New Address. New Things to Protect.

A PCS can change your home, vehicle, belongings, location, and coverage needs.

Know what to review before you move.

Explore the Insurance Guide Ask PCS Battle Buddy™

Free for Military Families. Always.

Home

Vehicle

Household goods

Family move

What Changes When You PCS?

More Than Your Address.

Auto

Moving states can affect insurance requirements, rates, registration, and where your vehicle is garaged.

Learn More

Renters

Understand coverage for belongings, liability, and temporary living expenses.

Learn More

Homeowners

Buying at your next duty station? Understand the insurance costs that can come with the property.

Learn More

Flood & Weather

Your next location may bring different flood, wind, hail, hurricane, wildfire, or severe-weather considerations.

Learn More

Know Before You Go

Your Duty Station Can Change the Risk.

Insurance considerations in coastal Florida aren't the same as those in Texas, Colorado, California, or Virginia.

Your location matters.

Map of U.S. duty stations
  • Coastal Florida
  • Texas
  • Colorado
  • California
  • Virginia
Explore My Duty Station

Before the Move

Put Insurance on Your PCS Checklist.

  1. 60–90 Days Out

    • Review current coverage.
    • Inventory important belongings.
    • Research requirements at your destination.

  2. 30 Days Out

    • Compare coverage.
    • Confirm effective dates.
    • Update your new address when available.

  3. Moving Week

    • Keep important documents accessible.
    • Document valuable belongings.
    • Keep existing coverage active until replacement coverage is confirmed.

  4. After Arrival

    • Confirm addresses, vehicles, drivers, property details, and coverage.
Add to My PCS Planner

Compare More Than Price

Know What You're Actually Getting.

The lowest premium doesn't necessarily mean the same protection.

Coverage Limits

Deductibles

Exclusions

Replacement Cost

Liability

Property Risks

Need Local Help?

Find Insurance Professionals Serving Your New Community.

Connect with participating insurance professionals around your next duty station when you're ready to explore your options.

MilitaryPCS does not charge military families to use the network.

Find Insurance Professionals

Have a Question?

Ask Your PCS Battle Buddy™.

When should I change my auto insurance?Do I need renters insurance?What should I know about flood insurance?What insurance should I review before a PCS?
Ask PCS Battle Buddy™

One Less Thing to Figure Out Before You Move.

Know what may change. Know what to ask. Know where to find help.

Explore the Insurance Guide

Free for Military Families. Always.