Homeowners & renters insurance

Coverage that moves the way you do

Compare homeowners and renters insurance from carriers that understand military life — frequent moves, deployments and vacancies, off-post rentals, and the home you keep and rent out during a PCS.

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  • Not an insurer — we match you to carriers
  • Carriers fluent in PCS and deployments
  • Portable to your next duty station
  • Free to compare, no obligation
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Military families matched with coverage
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Carriers experienced with military moves
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Coverage types compared in one place
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Cost to compare and get matched

Illustrative figures for general context only, not a guarantee of coverage or price. Veteran Property Network is not an insurer; carriers set coverage, eligibility, and pricing. Getting matched is free to you.

What families protect
Renters coverage, on or off post Homeowners for the home you buy Landlord policy for a rented-out home Vacancy cover during a deployment Umbrella liability Portable across every PCS Replacement-cost belongings Renters coverage, on or off post Homeowners for the home you buy Landlord policy for a rented-out home Vacancy cover during a deployment Umbrella liability Portable across every PCS Replacement-cost belongings
Four kinds of coverage

One move, a few different policies

Renters, homeowners, and landlord policies each protect a different part of military life. Scroll through the four that come up most, and where each one fits.

Coverage 01 of 04
Renters coverage
Often called HO-4. Protects your belongings on or off post, plus personal liability and loss of use. Frequently required by a landlord and portable to your next duty station.
Homeowners coverage
Often called HO-3. Covers the dwelling, other structures, your belongings, personal liability, and loss of use for a home you buy near the mission.
Landlord / dwelling
Often a DP-3 policy. For a home you keep and rent out during a PCS — dwelling, fair rental value, and landlord liability in place of owner-occupied contents.
Deployment & vacancy
Endorsements for a home left vacant on a deployment or unaccompanied tour, plus the off-post and OCONUS details that standard policies can miss.

Policy forms such as HO-3, HO-4, and DP-3 are shown for general education. Availability, terms, exclusions, and pricing vary by carrier and state. Confirm the details with a licensed carrier or agent.

Renters

You rent on or off post

A renters policy covers your belongings and liability, not the building. It is usually affordable, sometimes required by a landlord, and moves with you to the next installation.

Homeowners

You buy near the mission

A homeowners policy adds the dwelling itself to belongings and liability, with options for solar, hail, or coastal risk depending on where your duty station is.

Landlord

You keep a home and rent it out

When you PCS but keep the house, a landlord or dwelling policy fits better than an owner-occupied one — it covers the structure, lost rent, and liability as a landlord.

Deployment

The home sits empty while you serve

Many standard policies limit coverage once a home is vacant for a set period. A vacancy endorsement keeps protection in place while you are deployed or on an unaccompanied tour.

Coverage checklist

Build your coverage checklist

Check the coverage areas that fit your situation. We tally what you may want to raise with a carrier, and you can carry the list straight into a comparison. Your selections stay on this device.

This checklist is a general starting point, not insurance advice or a coverage recommendation. What you actually need depends on your home, location, belongings, and situation — a licensed carrier or agent can confirm the right policy for you.

Coverage you may need
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coverage areas to raise with a carrier
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What you get

Why families compare through VPN

We are not the insurer. We connect you with carriers who know military moves, so you can weigh coverage on the terms that matter to your PCS.

Compare side by side

See coverage, deductibles, and price from multiple carriers in one place, instead of chasing quotes one at a time.

Carriers who speak military

Every carrier we match you with is used to PCS timelines, deployments, off-post rentals, and overseas orders.

Portable across every PCS

Coverage built to follow you — update the address before your report date and keep protection without a gap.

The whole property picture

Renters, homeowners, and landlord or dwelling policies for the home you rent, buy, or keep and rent out.

Free to compare

Getting matched and comparing quotes costs you nothing and carries no obligation. You choose the carrier.

One point of contact

Tell us about your move once. We route it to the right carriers so you are not repeating yourself.

How it works

From your move to a policy in force

1

Tell us about your move

Your installation, whether you rent or own, and what you want to protect — belongings, a home, or a rental.

2

We match you with carriers

Licensed carriers and agencies experienced with military moves reach out, usually within one business day.

3

Compare quotes side by side

Weigh coverage, deductibles, and price in one place, with the checklist you built to guide the conversation.

4

Bind coverage with the carrier

You choose the policy. The carrier issues and services it, and you keep it portable for the next PCS.

Carrier directory

Representative carriers on the network

A sample of the kinds of carriers and agencies we match families with. These are representative examples of coverage focus — not quotes, endorsements, or a complete list.

You pay nothing to get matched or compare. There is no cost to you for the introduction and no obligation to move forward — you choose the carrier, and you pay only your policy premium.
Representative

Garrison Mutual

Homeowners and renters for frequent movers, with vacancy and unoccupied-home endorsements for deployments.

Homeowners Renters
Representative

Sentinel Home & Renters

Bundled home and auto for military families, with replacement-cost contents and portable renters coverage.

Homeowners Replacement cost
Representative

Frontline Coverage Group

Off-post and OCONUS-aware renters and personal-property coverage built to move with short-notice orders.

Renters Portable
Representative

Anchor Line Insurance

Landlord and dwelling policies for a home you keep and rent out during a PCS, including fair rental value.

Landlord Dwelling
Representative

Ready Reserve Insurance Services

High-value item riders for jewelry, firearms, and electronics, plus umbrella liability above standard limits.

Valuables rider Umbrella
Representative

Homefront Property & Casualty

Coastal, wind, and hail coverage near base regions, with separate flood placement where an area calls for it.

Wind & hail Flood placement

Carriers shown are representative, illustrative examples of the kinds of insurers and agencies on the network — not quotes, endorsements, or a complete list, and availability varies by state. Veteran Property Network is not an insurer or a licensed insurance agency; coverage, eligibility, exclusions, and pricing are set by the carrier. Comparing and getting matched is free to you. Where a participating partner compensates VPN, any such arrangement is structured to comply with applicable law — including RESPA where the coverage is a settlement-service — and this page is advertising and marketing.

Common questions

Insurance questions, answered

No. Veteran Property Network is not an insurer or a licensed insurance agency. We match you with licensed carriers and agencies; they set coverage, eligibility, exclusions, and pricing, and they issue and service the policy.
A renters policy (HO-4) covers your belongings and liability, not the building itself. A homeowners policy (HO-3) also covers the dwelling. If you own a home and rent it out, a landlord or dwelling policy (DP-3) usually fits better than either.
Personal property and liability generally move with you, but a policy is rated to its location, so premiums and coverage can change with the address. Tell the carrier your new address before your report date so there is no gap between duty stations.
Many standard policies limit coverage once a home is vacant for a set period. Ask the carrier about a vacancy endorsement or an unoccupied-home option before you leave, so the house stays protected while you are deployed or on an unaccompanied tour.
Usually yes. Flood is typically excluded from homeowners and renters policies and is written separately through the National Flood Insurance Program or a private flood carrier. A carrier can tell you whether your base area calls for it.
Yes. Comparing and getting matched is free to you. Where a participating partner compensates VPN, the arrangement is structured to comply with applicable law and this page is advertising. You choose the carrier and pay only your policy premium.
Related services

Round out the move

Property management

Hand your home to a vetted manager while you PCS — leasing, maintenance, and rent, handled.

Explore management

Home warranty

Cover major systems and appliances against breakdown — useful for first-time landlords managing from afar.

See warranty options

Mortgage lenders

Match with VA-approved lenders for a purchase, a refinance, or a loan assumption near your installation.

Connect with a lender

Ready to compare coverage for your move?

Tell us about your PCS and what you want to protect, and we will match you with carriers who know military life. Free to compare, no obligation.

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