Author: Mike Causey, Insurance Commissioner
Military life brings unique challenges, and insurance is no exception. Whether you’re active duty, a reservist, or a family member, understanding how different types of insurance apply to your situation is critical. From health and life coverage to property, casualty, and auto insurance, knowing the fine print can help you avoid costly gaps or surprises.
Health Insurance
If you are on active duty for more than 30 days, good news: you and your dependents should be covered by military health care. Dependents can access medical and dental care at military facilities, though availability may vary. TRICARE also provides civilian health benefits funded by the federal government, and your unit can help you with the details.
If you are leaving a civilian job for military service, federal laws like COBRA and USERRA protect your right to continue employer-based health coverage for up to 24 months. Depending on the length of service, you may need to cover the full premium plus a small administration fee. HIPAA may also allow you to enroll in your spouse’s group health plan, but act quickly—time limits apply.
Life Insurance
Before purchasing life insurance, especially on base, make sure the agent is legitimate. Agents must have Department of Defense permission to sell on installations and be licensed by the Department of Insurance.
While many private carriers exclude coverage for acts of war, Service Members’ Group Life Insurance (SGLI) does not. SGLI is affordable, includes war-related coverage, and is often the best fit for those in uniform. If you already have a private policy, double-check with your agent to avoid overlapping coverage.
Property and Casualty Insurance
Military deployment can also affect homeowners’, renters’, and automobile insurance. Before you deploy, check renewal dates and payment terms with your agent to ensure your coverage won’t lapse while you’re away.
Many homeowners’ policies include a “vacancy clause,” which may deny claims if your house is empty for 60 days or more. Some companies offer endorsements that allow coverage to continue despite vacancy, so review your policy carefully. Also, confirm your coverage limits reflect today’s replacement costs for your home and belongings.
Renters’ and homeowners’ policies often cover personal property you take with you, but most exclude losses caused by acts of war. Ask your agent if your items will be covered if they are lost, damaged, or stolen during deployment.
For auto insurance, if your vehicle won’t be driven during deployment, you may be able to turn in your tags to reduce liability costs. Some insurers allow you to suspend collision and comprehensive coverage, but check with your lender if your car is financed — they may still require it.
Final Thoughts
Military families face unique insurance considerations, but the good news is that resources are available to help. Your unit’s payroll or finance office can answer questions about military-specific coverage like SGLI. For property, auto, or civilian health policies, review your options with a trusted, licensed agent.
At the North Carolina Department of Insurance, we’re here to help. Call our consumer specialists at 855-408-1212, Monday through Friday, 8 a.m. to 5 p.m., or visit www.ncdoi.gov.
To all our service members and their families: thank you for your dedication and sacrifice. It’s our honor to serve you as you serve our country.