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Thanks for making it easy to find the cheapest renters insurance. Knowing our stuff is always protected gives me peace of mind.

Matt and Bethany, Charleston SC

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Military renters insurance is a property and personal liability policy offered by some insurance companies to meet the particular requirements of military personnel. Renters insurance is almost the very same as homeowners insurance. It offers the same basic protections to as the other does to owners. It must also be adjusted in the same ways to protect against perils such as floods, hurricanes, or earthquakes.

A military renters insurance policy contains the same clauses, but eligibility constraints apply, as do special considerations that accommodate the unique requirements of armed forces personnel and their families. For example, standard form homeowners and renters insurance move with the homeowner or leaseholder, needing only to be adjusted for changed values and environments. They generally cover possessions damaged or lost away from the home in the "off property" clause. In some cases, specific geographical restrictions apply in both of these types of coverage. It might not transfer to another state, for example, or to another country.

Most companies which offer military renters insurance do so with no restrictions on geographical location, because personnel and their families could be stationed in any of fifty states, or in any of a number of overseas bases. They are subject to frequent relocations, so these companies' Comprehensive Household Goods Coverage for Armed Forces provides coverage anywhere in the world. This removes the hassle of finding new apartment rental insurance coverage with every move, and protects against losses or damage that might be sustained in a relocation.

How to Qualify

Active duty personnel qualify for military renters insurance. War veterans also qualify for this, as do former and retired military personnel who are not veterans of a war. Widows can also take advantage of the military renters insurance.

Agents will ask prospective renters to produce proof of having served along with other documentation such as inventories and purchase receipts.

Important Considerations

One of the most important factors to be considered when purchasing liability coverage is the monetary value of the possessions. Insurance companies require inventory. A comprehensive list must first be made of the objects and possessions being insured order in order to make a useful estimate. Documents that prove value or ownership will also be presented, and must afterwards be kept in a safe and accessible place.

This can sometimes present a problem. When military families change residence, objects, including important documents, can get lost in the process of moving. Military renters insurance provides coverage in these cases, also, so that families are spared the financial burden of replacing their valuables. However, as in every other case, valuable documents are most responsibly secured in a normally unchanging location. Military renters insurance will cover costs of storage off property for the leaseholder's belongings, and particularly for valuables such as these.

Active duty armed forces personnel living in housing provided by the government will have some measure of liability and loss protection. This indemnity is limited in scope and can be inadequate. Supplementing it could make good sense, and there are several companies dedicated to providing a range of services specifically for military renters. There are even a few which serve only this group of renters.

Military renters insurance is a very specialised service. It is distinct in some ways from other rental policies being offered, but it is also very similar, and many of the same considerations are applicable.

Important Clarifications

Landlords purchase homeowners policies to protect themselves in case of damage to their structures, and to cover themselves for possible medical or legal liabilities if injury comes to anyone while on their property. They do not do this to protect their tenants. Many military renters are not aware of this. They assume, as do so many other people, that the policy that the landlord takes out on the building he or she owns and rents to others will be comprehensive of the individual units in which their tenants reside; and it is, but only for damage to aspects that are specifically the property of the lessor.

Natural disasters are another concern. The financial burdens that could arise from damage caused by natural disasters are not provided for in standard military renters insurance. Coverage for these must be purchased separately either as additional rider clauses to the standard form, or as entirely separate policies. Even when it is acquired through a company dedicated to military personnel, it might be necessary to shop around for some specific types of coverage. All insurers do not offer coverage for every conceivable natural disaster.

Flood protection, for example, is generally obtained most inexpensively through the National Flood Insurance Program (NFIP) which is regulated by FEMA, the Federal Emergency Management Agency. New leaseholders should inform themselves about the potential for natural disasters of any kind in the area and insure their home and possessions against the possibility.