Home Insurance (Renters or Homeowners)

Key Considerations:

• Military Clause:

• Some policies offer a military clause that provides coverage during relocation or if your home is left vacant during deployment.

• Replacement Cost vs. Actual Cash Value:

• Opt for replacement cost coverage to ensure full reimbursement for damaged or stolen property rather than depreciated value.

• Flood and Earthquake Coverage:

• Standard policies often don’t cover natural disasters, so check if additional coverage is needed based on your location.

• Personal Property Protection:

• Look for policies that cover property damage or theft on military bases or during a PCS move.

What to Look For:

• Relocation Assistance:

• Coverage for moving costs or temporary housing if you're reassigned or your home becomes uninhabitable.

• Policy Portability:

• Make sure your policy can easily transfer to a new state or country.