The Military Benefit Association (MBA) is a top choice for military members looking for insurance. It works with Liberty Mutual to offer auto and home insurance plans. These plans have special benefits and discounts for military families, giving them peace of mind and financial security.
In this article, we’ll explore MBA’s auto and home insurance options. We’ll talk about coverage, military discounts, and how to start. Whether you’re moving for deployment, buying a new home, or want to bundle policies, MBA and Liberty Mutual are great for military families.
What Is the Military Benefit Association?
The Military Benefit Association (MBA) helps military members, veterans, and their families with insurance. It works with Liberty Mutual to offer special rates and benefits. These plans are made for the unique challenges military people face, like deployments and relocations.
Military Benefit Association Auto Insurance
MBA’s auto insurance plans through Liberty Mutual are made for military life. They offer flexible and affordable coverage for your vehicle. Here are the main benefits and features that make MBA’s auto insurance stand out.
Key Benefits and Features of MBA Auto Insurance
- Exclusive Military Discounts: Military members get big discounts on auto insurance with MBA. These discounts apply to active-duty, veterans, and military families.
- Coverage Flexibility: The auto insurance policies cover many things, like collision, liability, and medical payments. You can also add extras like roadside assistance and rental car coverage.
- Accident Forgiveness: If you’re in an accident, Liberty Mutual won’t raise your rates for the first accident.
- Deductible Fund: Stay accident-free for a year, and you’ll get $100 to lower your deductible. This makes coverage more affordable over time.
- New Car Replacement: If your car is totaled in the first year, Liberty Mutual will replace it with a new one. You won’t get the depreciated value.
- Better Car Replacement: For older cars, this feature lets you get funds to buy a newer car with fewer miles if it’s totaled.
- 24/7 Claims Assistance: Liberty Mutual offers help anytime for claims, so MBA members get quick help after an accident.
- Deployment and Relocation Benefits: Military people face special challenges like deployment and moving. Liberty Mutual offers flexible policies that adjust for these situations, including moving overseas or to a new state.
Core Features of MBA Auto Insurance Coverage
| Feature | Description |
|---|---|
| Military Discounts | Special rates for active-duty, veterans, and military families |
| Accident Forgiveness | No rate increase for your first accident |
| Deductible Fund | $100 off deductible for each accident-free year |
| New Car Replacement | Covers the cost of a brand-new car in case of a total loss |
| Better Car Replacement | Funds to purchase a car one model year newer |
| 24/7 Claims Assistance | Claims support available any time, day or night |
| Deployment Benefits | Flexible coverage for relocation and deployment scenarios |
Additional Savings Opportunities
MBA auto insurance offers more ways to save. This includes bundling discounts and other discounts for safe driving or vehicle storage. Here are a few ways to save more:
- Bundling Discounts: Save a lot by combining your auto insurance with MBA’s home insurance plan.
- Safe Driver Discounts: Drivers with clean records get extra savings on their premiums.
- Military Garage Discount: Store your car in a secure military garage during deployment for more discounts.
Military Benefit Association Home Insurance
Protecting your home is key, even more so for military families who move often or own homes off-base. MBA’s home insurance policies through Liberty Mutual offer full coverage for your home and belongings. Here are the main benefits of MBA’s home insurance:
Key Benefits and Features of MBA Home Insurance
- Comprehensive Home Coverage: Policies cover damages from fire, theft, vandalism, storms, and more, protecting your home from many risks.
- Personal Property Protection: Your belongings, like furniture, electronics, and clothes, are covered, even if they’re damaged or stolen.
- Replacement Cost Coverage: If your property is damaged or destroyed, you get enough money to replace items with new ones, not just their depreciated value.
- Liability Protection: This coverage helps pay for legal costs and damages if someone is injured on your property, or if you accidentally damage someone else’s property.
- Water Backup and Sewer Protection: An optional add-on that covers damage from a backup of water from your home’s sewer or drainage systems.
- Earthquake and Flood Coverage: In areas prone to natural disasters, Liberty Mutual offers optional earthquake and flood coverage not included in standard policies.
- Loss of Use Coverage: If your home becomes uninhabitable due to a covered peril, this feature covers temporary living expenses, including hotel stays and food.
Core Features of MBA Home Insurance Coverage
| Feature | Description |
|---|---|
| Comprehensive Home Coverage | Protection against fire, theft, vandalism, and more |
| Personal Property Protection | Coverage for furniture, electronics, clothing, and other belongings |
| Replacement Cost Coverage | Full cost replacement for damaged or destroyed property |
| Liability Protection | Legal protection if someone is injured on your property |
| Water Backup Protection | Optional add-on for water damage from sewer or drainage systems |
| Earthquake/Flood Coverage | Optional add-ons for earthquake and flood damage |
| Loss of Use Coverage | Reimbursement for temporary living expenses if home becomes uninhabitable |
Military-Specific Benefits
- Coverage for Military Relocations: If you’re transferred to a different base or location, your home insurance policy can be adjusted to reflect your new circumstances.
- Off-Base Housing Options: For those who own homes off-base, Liberty Mutual ensures that your property is covered properly, whether it’s a permanent residence or temporary off-base housing.
- Personal Belongings Coverage During Deployment: Even if you are deployed, your personal belongings are covered, whether they’re stored at home or in a storage facility.
Additional Savings Opportunities
MBA’s home insurance plans offer several discounts designed to make home coverage more affordable for military members. Here are a few ways to save:
- Home Security Discounts: Installing a security system or alarms in your home can help you qualify for discounts on your policy.
- Bundling Discounts: If you purchase both auto and home insurance through Liberty Mutual, you can save by bundling your policies.
- Newly Purchased Home Discounts: If you’ve recently purchased a new home, you may qualify for special discounts.
Additional Resources and Support
In addition to auto and home insurance, MBA and Liberty Mutual offer several additional resources to help military families make informed decisions about their coverage. Here are a few examples:
- Educational Articles and Guides: MBA provides a wide range of educational content on its website to help military members understand their insurance options.
- 24/7 Customer Support: Liberty Mutual’s customer service is available 24/7 to assist MBA members with any questions or concerns.
- Customizable Insurance Plans: The insurance plans are fully customizable, allowing you to add or remove coverages based on your unique needs and budget.
- Online Quote Tool: You can easily obtain an insurance quote online through MBA’s website or Liberty Mutual’s platform, allowing you to customize coverage options and explore available discounts.
How to Get Started
Getting started with MBA’s auto and home insurance is straightforward. Here are the steps to begin:
Step 1: Visit MBA’s Insurance Page
Start by visiting the Military Benefit Association’s official website at militarybenefit.org. There, you can explore the various insurance options available and review exclusive discounts.
Step 2: Get a Quote Online
MBA’s partner, Liberty Mutual, provides an easy-to-use online quote tool. By entering a few details, you can receive a personalized quote for auto or home insurance within minutes.
Step 3: Contact Liberty Mutual for Support
If you have more specific questions or prefer speaking with a representative, Liberty Mutual’s dedicated customer service team is available to MBA members. They can help you navigate policy options, customize coverage, and ensure you take advantage of all discounts.
Conclusion
The Military Benefit Association (MBA) works with Liberty Mutual to give military families great auto and home insurance. They offer special discounts, flexible plans, and 24/7 claims help. This means military members can count on MBA to protect their cars and homes, no matter where they are.
Looking to keep your home safe from disasters or your car covered while you’re away? MBA and Liberty Mutual have got you covered. Check out what MBA has to offer and enjoy the special deals and savings just for military families.
