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Armed Forces Home Insurance Review

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Armed Forces Insurance (AFI) has been protecting those who protect our nation since 1887. The company's core member services include home, renters, and auto insurance.

AFI covers active, retired, and former military personnel and their families, as well as civilian Department of Defense employees.

The company prides itself on personalized service and assigns an agent to each client to assist during the life of the relationship. AFI holds an A+ grade with the BBB.
 
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How is Armed Forces rated?

Breakdown

5.0/5
Coverage Options
3.5/5
Pricing and Discounts
4.5/5
Customer Service
4.5/5
Financial Strength
0.0/5
Add-On Coverages

Overall Rating: 3.9 / 5 (Very good)

Armed Forces Insurance offers dependable, personalized service to military personnel and their families.

The agency particularly shines with their wide range of optional endorsements that allow maximum customization of home insurance policies.

These include increased liability, liability for things like snowmobiles and personal watercraft, scheduled item coverage, and earthquake insurance to name a few.

However, in order to qualify for coverage you must be on active duty, retired, or honorably discharged; a spouse of such person; a Department of Defense employee; a commissioned officer of the NOAA or PHS; or a former spouse or child of an AFI member.

Financial Strength

Financial Strength - 4.5 / 5

AFI is underwritten by the Armed Forces Insurance Exchange, a organization that carries a A.M. Best rating of B++.

This indicates a "stable" outlook in terms of financial strength and long-term issuer credit rating.

Although the company has not been rated by any of the other top rating agencies, AFI has been issuing insurance policies to servicemembers and their families for over 130 years.

This is especially important when it comes to homeowners insurance considering the long term investment, and possibility of the company having to pay out massive claims over large areas in the case of something like a natural disaster.
Underwriter
Armed Forces Insurance Exchange
AM Best Financial Rating
B++
*The above information reflects the financial strength of the underwriter of the Armed Forces home insurance policies: Armed Forces Insurance Exchange.

Customer Experience

Customer Service - 4.5 / 5

Armed Forces Insurance has an A+ grade with the BBB and a NAIC complaint ratio that is lower than the national average. Customer feedback online is by and large positive with military families citing the organization's particular expertise and sensitivity to the challenges such families face.

This is likely due to the company's policy of assigning agents to continually assist clients over time. Customers of AFI develop relationships with their representatives, who in turn come to know the families and their situations and needs.

National Association of Insurance Commissioners

NAIC Complaint Ratio
0.76
NAIC Total Complaints
5
*The NAIC complaint ratio (in this case 0.76) is a ratio of the number of complaints a company received to the total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Neutral Reviews
0
Number of BBB Negative Reviews
2
Date Collected
2017-11-15

Armed Forces Coverage

Coverage Options - 5 / 5

As mentioned above, coverage options is the area where AFI really sets itself apart from the pack.

In addition to all the basic coverage and additional coverage you could want, the company offers a huge list of optional endorsements.

These allow you to customize your policy to fit your particular needs, and could end up saving you some serious headaches in the future.

Some of these include adjusted rebuilding cost, increased limits for other structures, ordinance or law coverage, additional residence rented to others endorsement, home day care coverage, special computer coverage, earthquake coverage, watercraft/snowmobile liability, and sinkhole coverage.
Basic Coverage Types
Dwelling Protection
Other Structures Protection
Personal Property Protection
Liability Protection
Guest Medical Protection
Additional Living Expense Coverage
Additional Coverage
Water Backup Coverage
Enhanced Dwelling Protection
Scheduled Personal Property Coverage

Pricing & Discounts

Pricing and Discounts - 3.5 / 5

When it comes to discounts, AFI features some standard home-level offerings such as discounts for security and safety equipment, as well as a new home discount.

Although there do not seem to be any policy-level options, AFI does offer some unique additional discounts such as proximity to fresh water supply.

All of the carrier's discounts vary by state, so be sure to verify this with your representative.

Household Discounts

  • New Home
  • Home Safety Features
  • Storm Shutter

Contact & Additional Information

Homepage URL
https://www.afi.org
Company Phone
(913) 727-5500
Headquarters Address
550 Eisenhower Rd, Leavenworth, KS, 66048
Year Founded
1887

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Customer Comments & Reviews

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Sherry B
2/7/2023
We have a thirty year old roof we had a roofer come by roof looks bad have 5 shingles of ice and wind damage replacement of roof denied upon your score I hope your not using my credit score to base this on any told 500 dollars damage replace them yourself or we can decide not to allow you to be covered under us anymore well they just depreciated my property value they no longer carry the color of shingles anymore also the wood at our fireplace is wet my husband patched it the best he could , I was a realtor and one thing that brings to my mind is a buyer if sold depreciates your property if roofing doesn't match we now pay 1700 dollars a year over 30 years have had 3 claims my husband... Read More

C
Claudia A
3/5/2022
I have been an AFI member for home insurance since 2005. My father was a long-time member and my son is a relative newcomer who joined at my suggestion. All was well until 2021 when my home insurance premium was raised considerably. I accepted the rate. I did have to file a claim when my hot water heater broke and I suffered significant water damage. I made the mistake of filing a claim. At renewal, my insurance went from $157 a month to $221 per month. AFI determined the cost to rebuild my 1800sq ft house in a modest neighborhood rose to 290,000. A $290,000 house in El Paso, TX is considered upscale in an upscale neighborhood. So, while I didn't receive my no claim discount, my... Read More

Our Partner

Exclusively Insuring Military Personnel, Veterans & Their Families For Over 135 Years

  • Home, renter and car coverage options at competitive prices
  • Always retain the same agent, even if you move
  • On-Demand service with 24/7 claims processing
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