Military Insurance Review
Armed Forces Insurance (AFI) Review for Veterans (2026)
Active duty, veterans, National Guard, Reserve, and military families
Underrated military-exclusive insurer. Strong for homeowners and those needing OCONUS coverage.
Key Facts
| Deployment Discount | Yes - varies by policy |
| OCONUS / Overseas Coverage | Yes |
| Products Offered | Home, Auto, Renters, Umbrella |
| BBB Rating | A |
| JD Power Claims Score | Not Rated |
| Avg. Annual Auto Premium | ~$1,180 |
Armed Forces Insurance Pros & Cons
Pros
- Exclusively serves military community - deep understanding of needs
- Overseas/OCONUS coverage available
- Competitive homeowners rates for on-base and off-base housing
Cons
- Smaller company - less brand recognition
- Mobile app less polished than USAA or GEICO
- Not available in all states
Frequently Asked Questions
Active duty, veterans, National Guard, Reserve, and military families. This is a military-exclusive insurer.
Armed Forces Insurance offers a deployment discount of varies by policy when you are deployed.
Armed Forces Insurance offers Home, Auto, Renters, Umbrella insurance products.
Armed Forces Insurance holds an AM Best rating of A as of our last review. AM Best ratings measure financial strength and ability to pay claims; check ambest.com for the current rating.
Armed Forces Insurance offers coverage for overseas and OCONUS assignments, making it a solid choice for those with international postings.
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