Insurance Guidance

Protect The Roof Over Your Family.

Homeowners, auto, umbrella, and PCS transfer — start early, compare carriers, and know what your zone requires before orders drop.

The Four Pillars

Coverage that actually follows you.

Every military family needs these four coverages layered together — and each one has a PCS-specific twist most civilian agents miss.

Homeowners

Homeowners (HO-3)

The industry standard for owner-occupied homes: dwelling, personal property, liability, and loss of use. Verify replacement-cost coverage — not actual-cash-value — and confirm ordinance & law endorsements for older base-adjacent housing.

Dwelling coverage at replacement cost, not market value
Personal property scheduled for firearms, jewelry, uniforms
$300k–$500k liability minimum for on-base entertaining

Auto

Auto That Follows Orders

State minimums vary widely and can leave you dangerously underinsured. Update the garaging address the day you sign your PCS orders and stack multi-vehicle plus military discounts.

100/300/100 minimum liability for most PCS-heavy families
Uninsured motorist coverage — required in 22 states
Roadside for long-haul DITY convoys

Umbrella

Personal Umbrella Liability

$1M–$5M layered above your home and auto limits. Cheap protection that becomes essential once you own rental property, coach youth sports, or entertain frequently on-base.

Typically $150–$400/year for $1M coverage
Requires you meet the underlying-liability minimum
Critical for landlords holding a rental at a prior duty station

PCS Transfer

PCS Transfer & Bundling

The single biggest risk on a PCS is a coverage lapse. Transfer or rewrite policies with the same carrier when possible, bundle home + auto + umbrella for 10–25% off, and confirm rental coverage stays live during TLF and hotel stays.

Never cancel old-state auto before new-state is active
Renters/HO-4 policy for TLF and interim housing
Notify carrier of household goods in transit (60–90 day window)

Military Home Buying PCS Timeline

The right partner, at the right time.

A 90-day roadmap that mirrors the actual military home-buying process — from pre-approval to closing day.

90 Days Out

Build Your Game Plan

If you own a home, decide whether you'll sell your current home, keep it as a rental property, or return to it after your assignment.

Connect with a MilitaryPCS VA Loan Expert Partner

Determine your buying power
Review your VA loan eligibility
Get pre-approved
Build your home-buying budget

60 Days Out

Start Your Home Search

Once you're pre-approved, connect with a MilitaryPCS Real Estate Agent Partner who understands military relocations.

Your agent will help you:

Find homes near your new installation
Schedule virtual or in-person tours
Negotiate the best purchase terms
Write competitive offers

30 Days Out

Under Contract

Congratulations! You have a signed purchase contract. Now it's time to protect your investment and confirm the condition of the home.

Connect with a MilitaryPCS Insurance Partner

Obtain homeowners insurance quotes
Compare coverage options
Select a policy that satisfies your lender
Have coverage effective on closing day

Schedule your home inspection

Closing & Move Day

Protect Your New Home

Before closing, ensure your homeowners policy is active and your lender has proof of insurance.

Before closing

Ensure your homeowners policy is active
Verify your lender has proof of insurance
Review your deductibles and coverage

After closing

Update your vehicle garaging address
Verify your household goods are covered during transit
Cancel your previous homeowners policy only after the new policy is in effect

Avoid These

Four costly insurance mistakes.

Real gaps we see military families hit at almost every duty station.

Letting home coverage lapse at closing

Buyers frequently drop old-state HO-3 the day of the sale and start the new one on move-in day. A 3-day gap while goods are in transit voids theft and casualty claims.

Assuming carrier moves with the household

Not every carrier writes in every state. USAA, AFI, and Farmers do — many regional carriers do not. Confirm 60 days before orders.

Under-insuring the dwelling

Market value ≠ rebuild cost. In coastal and high-cost-of-labor markets, rebuild can run 20–40% above appraised value.

Skipping flood or wind riders

Homeowners policies exclude flood and often exclude named-storm wind on coastal duty stations. NFIP + wind riders are cheap when bundled early.

Founding Insurance Agents

Founding seats open for military-friendly agents.

We're onboarding the first cohort of verified insurance agents right now — military service or spouse status, licensing, and E&O confirmed. Your featured seat below is reserved until claimed.

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Founding Agent Seat

Military-friendly insurance agents onboarding now.

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Seat #03 · Reserved

Founding Agent Seat

Military-friendly insurance agents onboarding now.

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