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Base housing will no longer provide renter’s insurance

All base housing residents signing leases April 1, and beyond, will no longer be provided renter’s insurance. Due to the Department of Defense recently electing to eliminate the renter’s insurance component of the basic allowance for housing, an average of $20 each month, the Air Force scrapped obligatory renters insurance, formerly incorporated in privatized housing projects. (U.S. Air Force photo by Senior Airman Shane Phipps/Released)

All base housing residents signing leases April 1, and beyond, will no longer be provided renter’s insurance. Due to the Department of Defense recently electing to eliminate the renter’s insurance component of the basic allowance for housing, an average of $20 each month, the Air Force scrapped obligatory renters insurance, formerly incorporated in privatized housing projects. (U.S. Air Force photo by Senior Airman Shane Phipps/Released)

VANDENBERG AIR FORCE BASE, Calif. -- All base housing residents signing leases April 1, and beyond, will no longer be provided renter's insurance.

Due to the Department of Defense recently electing to eliminate the renter's insurance component of the basic allowance for housing, an average of $20 each month, the Air Force scrapped obligatory renters insurance, formerly incorporated in privatized housing projects.

For all current occupants who've signed a lease before April 1, Balfour Beatty Communities (BBC) aims to provide renter's insurance through Dec. 31 of this year, or through their lease term if the lease was signed between Jan. 1, 2015 and March 31, 2015.

"We have sent notifications to the residents and are in the process of developing Frequently Asked Questions and 'Notice of Change in Lease Term' letters that will detail the impact on your lease," said Nick Warner, Vandenberg BBC Community Manager. "It's anticipated that we will continue to provide renter's insurance, for personal property, for all current residents through Dec. 31, or through their lease term if the lease was signed between Jan. 1, 2015 and March 31, 2015."

With this change potentially impacting thousands of residents on Vandenberg, the base legal office recommends Airmen pursue outside insurance policies.

"The Air Force advises Airmen to obtain their own rental insurance because the insurance provides greater protection to you," said Samuel Casazza, 30th Space Wing attorney advisor. "Renter's insurance typically provides general liability coverage for accidents and injuries that occur in your home, and outside your home, that are caused by you, your pet or your property."

Through outside coverage, individuals can acquire comprehensive security in the event of various calamities.

"Renter's insurance also covers your personal belongings," said Casazza. "Many policies will replace property that is stolen, damaged, or destroyed by a covered cause. Even though the BAH no longer covers renter's insurance, the additional liability protection that renter's insurance provides is worth the money."

Balfour Beatty Communities representatives also strongly encourage inhabitants to consider obtaining their own insurance plan.

"I really recommend having some kind of renter's insurance," said Warner. "Just take the time to find a policy that's right for you -- because having that extra protection will really help with your peace of mind in the long run."

For more information, contact Vandenberg's Balfour Beatty community center at 805-734-1445.