Armed Forces Insurance Review & Complaints: Home, Auto & Business Insurance (2023)

Armed Forces Insurance (AFI) is a home insurnace company catering to the needs of members of the armed forces. They offer coverage across the country and to those stationed overseas. Keep reading our Armed Forces Insurance review to learn everything you’ll need to know about the Armed Forces Insurance options.

Whether you are looking for life insurance, military auto insurance, motorcycle insurance, or a new insurance agent, it pays to shop around.

Whether you are looking for life insurance, military auto insurance, motorcycle insurance, or a new insurance agent, it pays to shop around. Enter your ZIP Code above to find insurance solutions from insurance companies in your area.

About Armed Forces Insurance

Armed Forces Insurance began in 1887 at an army garrison in Leavenworth, Kansas as Army Cooperative Fire Association. It was founded by a group of officers to provide group fire insurance protection. The company grew to provide insurance for all military members as well as their families.

Today they write a wide range of personal insurance coverage including home insurance for the armed forces, auto insurance, watercraft, and umbrella insurance, and also small business coverage. Some of these products are offered through partner companies and are not underwritten by AFI.

In order to be eligible for coverage through AFI, you must be:

• On active duty, retired, or honorably discharged military, including National Guard and Reserves
• A Spouse or surviving spouse of the above
• An active or retired Department of Defense employee
• An active, retired, or former commissioned officer of the NOAA or PHS
• Service Academy including Merchant Marine or ROTC cadet
• A former spouse or child of a current or former AFI member

AFI’s headquarters is still located in Leavenworth, but the serve military families across the country.

What are Armed Forces Insurance Company Products?

AFI has a long list of insurance products available from basic to specialty. While they do offer auto insurance, it is through partner companies. AFI works as an agent to help their members find auto coverage and does not underwrite that coverage directly. Similar to this, business insurance is also offered through partner companies and not directly.

We will cover only the products actually underwritten by AFI in this review. The website offers only basic overviews of the products.

Home Insurance

AFI writes standard homeowners, dwelling fire, renter, and condo insurance policies.

The standard homeowners insurance policy covers the house at replacement cost, other buildings, personal property, liability, and more. AFI has a list of endorsements that can be added to personalize the policy, including off-premises coverage and increased limits on the various insurance coverage options.

Dwelling Fire policies are available to cover non-owner occupied homes as well as homes that do not qualify for the homeowner’s package. This named perils policy is available in three forms with varying levels of coverage.

Condo insurance plans cover the specific needs of condo owners – coverage for the portion of the structure for which the owner is responsible, as well as personal property and liability insurance.

Mobile home coverage is offered through another company, Foremost Insurance.

Specialty Recreational Insurance

AFI writes policies for several types of specialty vehicles. This includes watercraft, motorcycles, and ATVs. The website lists only a few basics about the policies but does not offer much in the way of information.

The website is not clear as to whether or not AFI directly underwrites these policies, but there is no statement that they are handled by a partner provider either.

Other Products

Other products listed on the website that may or may not be directly underwritten include umbrella insurance, pet health coverage, and valuable items coverage.

How to Get AFI Rates

Rate quotes are available online for AFI, but require a great deal of personal information to obtain. This includes your eligibility for AFI membership and social security number. Some people may be uncomfortable with providing this level of information in order to get an insurance quote.

Because of the information required, we were unable to obtain a sample quote. Had we obtained a quote, however,  it would still be very difficult to compare homeowners insurance due to the very particular nature of the product.

Claims Process at Armed Forces Insurance

Ease of Filing a Claim

Armed Forces Insurance (AFI) understands that convenience is crucial when it comes to filing insurance claims. They offer multiple channels to make the process as easy as possible for policyholders. Whether you prefer online submissions, phone assistance, or mobile apps, AFI has you covered.

Their online portal is designed to simplify claim submissions, making it accessible 24/7. If you prefer personal assistance, their dedicated phone line ensures that policyholders can speak directly with a representative during the claims process. Moreover, AFI provides a user-friendly mobile app that streamlines the process of reporting incidents and initiating claims.

Average Claim Processing Time

AFI prioritizes efficiency in processing claims to provide prompt resolutions. While claim processing times can vary depending on the complexity of the claim and individual circumstances, AFI typically aims to process claims within 7 to 10 business days. This commitment to quick resolutions helps policyholders get back on their feet sooner.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback plays a pivotal role in assessing an insurance provider’s performance. Although there is limited available feedback specific to AFI’s claims process, the reviews and overall industry reputation indicate their dedication to fair and efficient claim resolutions. Policyholders’ positive experiences align with AFI’s goal of providing exceptional service.

Digital and Technological Features by Armed Forces Insurance

Mobile App Features and Functionality

AFI recognizes the significance of digital convenience. Their mobile app offers a range of features and functionality designed to enhance the overall customer experience.

With the app, policyholders can easily file claims, review policy details, and manage their accounts. This digital tool empowers customers to handle insurance-related tasks conveniently, anytime and anywhere.

Online Account Management Capabilities

AFI’s online platform is tailored to meet policyholders’ needs. It provides a user-friendly interface that facilitates efficient online account management. Policyholders can access various services, including policy management, billing information, and document retrieval.

This online portal promotes transparency and convenience, enabling customers to stay well-informed and maintain control over their insurance matters.

Digital Tools and Resources

In addition to their user-friendly online platform, AFI offers a wealth of digital tools and resources to assist customers in making informed decisions. These resources include informative articles, guides, and interactive tools that provide essential insurance information.

Furthermore, AFI’s online quote generation tools enable customers to obtain cost estimates, helping them assess their insurance needs effectively. These digital assets reflect AFI’s commitment to empowering customers with valuable information and resources.

What are Armed Forces Insurance ratings and consumer reviews?

AFI has an A+ rating with the Better Business Bureau (BBB), and there have been 11 complaints filed in the past three years. Of those, six were closed in the past 12 months.

Yelp has a few reviews of this insurance company. Of the eight reviews, one is a positive, five-star review and the rest are negative. It is worth noting that one of the reviews is for auto insurance, which should technically apply to the partner company through which the policy was written and not to AFI directly.

Overall, there are not a lot of negative reviews of AFI. Often it is pitted as “Armed Forces Insurance vs USAA”, another military insurer. USAA is a much larger company and also underwrites its own auto insurance, which makes it difficult to compare the two in terms of the number of complaints.

What’s the bottom line?

If you qualify for AFI membership and do not mind that you are unable to truly bundle your home and auto insurance policy with them, they are worth considering for your insurance needs. With the limited information available, the company does appear to have a fairly good reputation.

To find the cheapest auto insurance, personal liability insurance, or insurance for veterans, compare rates from multiple insurance companies by entering your ZIP Code below.