DoD eliminates renter’s insurance from BAH

JOINT BASE LANGLEY-EUSTIS. Va. — Following recent changes to Department of Defense Basic Housing Allowance policies, U.S. Service members living in privatized base housing will no longer automatically receive renter’s insurance through property management companies.

Since privatization, Service members who live in military housing communities were automatically provided renter’s insurance through the terms of their lease agreement with property management companies who were compensated through monthly BAH allotments for rent, utilities and renters insurance.

The DoD eliminated the BAH renter’s insurance component, which was calculated into monthly rates, in September 2014, following recommendations from the DoD comptroller to limit allotments for the purchase, lease or rental of personal property. The regulation took effect Jan. 1, 2015.

Additionally, the DoD waived the renter’s insurance component from the program in an effort to slow growth of certain military pay and benefits in a fair, responsible and sustainable way.

When searching for renter’s insurance, Service members are encouraged to thoroughly research the plan’s terms and company’s history and reputation. JBLE legal officials recommend reviewing plans from multiple insurance companies to find the plan that best fits the renter’s needs.

When reviewing a plan, it is paramount to conduct cost analysis and weigh the benefits of deductible rates and maximum coverage. Renters must also review each plan to determine which items each policy covers and which it excludes.

Service members who have questions regarding acquiring an insurance policy may contact their installation’s legal office.

For more information on the changes contact your installation’s military housing office.

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