Are on-base residents losing renters insurance?

Renter’s insurance, typically purchased to insure personal property, was eliminated from
the 2015 Basic Allowance for Housing rate computation. When I lived on base before it became privatized I had USAA's renters insurance. When it went privatized, they offered it to me but declined stated I already had it, gave them proof for my file and that was that.

The current renter's insurance policy depends on your locality and who runs the privatized housing for your area, this affects all service branches. 20k in personal property coverage with a $250.00 deductible and $100k in Liability coverage seems the standard but doesn't cover high dollar items, jewelry, silverware, and antiques. If you have high value items, it is recommended you acquire additional insurance.

One of the common misconceptions regarding BAH is that it is intended to cover all of a service member’s housing costs. The original BAH law stated that the allowance could cover no more than 80% of calculated housing costs. Accordingly, the average service member had at least 20% of out-of-pocket expenses subtracted from their allowance calculation. In 2000, the Secretary of Defense committed to reducing the planned average out-of-pocket expense for the median member to zero by 2005. In 2015, the planned out-of-pocket expense was reintroduced at a rate of 1% of national average costs per grade.

I haven't seen anything yet. Not saying it wont. Just that It hasn't yet.

Capt Brandon Charters Sir, I read the MILPER this week and is not just the insurance. Those living off-post should see a decrease in their BAH by 1% starting in March. This will affect people PCSing the most but I would say to check your LES ofently to see if there is any change. TSgt Joshua Copeland I don't know how it works in the AF but for my folks in the Army, I would say to ask their S1 shop for the most recent MILPER.