Rest insured: why you need homeowner’s insurance in the military

With homeownership comes the need for homeowners insurance.

A new home is the most important investment you will make. The second most important investment is homeowners insurance. Before you buy that new flat screen television, look into getting the best homeowners insurance for your military lifetstyle and begin protecting your investment

Consider homeowners insurance coverage in four key areas: the structure of your house, your belongings, your liability to others and your living expenses if you're forced out. Replacement value homeowners insurance is best. You want to be able to replace everything you lost with similar, new items. And make sure that your policy spells out that both your home and its contents are covered by replacement-value insurance. 

Consider flood and earthquake insurance. If you live in an area prone to floods or earthquakes, it pays to know that most property policies do not cover these disasters

Now how about when it comes time to pay off on your policy? Two policies can promise the same amount of coverage, but they can be vastly different when it comes to paying your back  after a loss. Find out how claims are handled, especially when it comes to writing you a check. Some policies will give you the cash value of your possessions right after a loss, but wait to cover the replacement value until after you've replaced your items -- and have the receipts to prove it.

So - you know you need homeowner's insurance, no matter how many times you move throughout your military career and how many properties you own.  This section will guide you to getting the right coverage from the right insurance company.