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Homeowner Insurance
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Homeowner Insurance

Your home is often your biggest investment. At AFI, we share your goal of making sure your home and home contents are sufficiently protected. We provide the most commonly needed coverage, plus flexibility to customize your policy to meet your family's specific needs. Get an online homeowner insurance quote today.


I give AFI an A+ for its support related to our house fire. When this started, the insurance adjuster said he worked with 200 different insurance companies and that AFI was unquestionably the best. He hit the mark!
- Retired Air Force, Lieutenant Colonel; Member Since 2002

What Does an Armed Forces Insurance Homeowner Policy Cover?
Our homeowner insurance is a package that protects your dwelling, personal property, and personal liability. Common causes of damage to your home include: theft, fire, lightning, ice, and wind. By having your home insured for the cost to rebuild it, you will have peace of mind and added protection in case of a loss.

A standard homeowner policy will not cover damage caused by a flood or earthquake. By adding optional endorsements you can protect yourself from these disasters.

If you own valuable personal property and need extra coverage beyond your homeowner policy our Valuable Items Policy will help protect those items such as: jewelry, watches, furs, coin, and stamp collections over and above the coverage in a standard policy.*

Homeowner insurance from AFI covers the following: 

  • Dwelling

The dwelling is the physical structure. The dwelling amount is the basis for determining the cost of coverage and does not include the cost of the land. The coverage amount should be the cost to rebuild your home if it were completely destroyed. Armed Forces Insurance offers a free rebuilding cost analysis to help estimate the rebuilding cost of your home.

  • Other Structures

Coverage for other structures on your land that are not attached to the dwelling and not used for business or rental purpose, for example: fence, tool shed, gazebo, detached garage, and car ports.

  • Personal Property

Personal Property covers your belongings/household goods, such as your furnishings, appliances, clothing, and uniforms.

  • Personal Liability

Personal Liability covers claims against you and any family member living in the household for bodily injury or property damage to others.

  • Loss of Use

Loss of Use provides reimbursement for necessary additional expenses you incur, after a covered loss, if your home is unfit to live in.

  • Medical Payments to Others

Medical Payments to Others covers accidental injuries to people who are not members of your household, whether the injury occurred on or off the property. 

 The type of home coverage Armed Forces Insurance can offer is determined by occupancy.

  • A Homeowner policy is offered for owner occupied homes.
  • A Dwelling Fire policy is offered for homes rented to others or occupied by others.
  • A Unit-Owners policy is offered for units in a condominium association.

View Homeowner Brochure

*All policies and endorsements are subject to underwriting approval. Coverages, deductibles, limits, and discounts vary by state.