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Military.net · Exclusive Guide
The Ultimate Military Savings Guide
Benefits, discounts, and financial resources for active duty, veterans, and military families — most people never know these exist.
🏠 $0 down on VA loans
🚗 Military auto discounts
🛡️ Identity protection
💰 Free savings tools
Home & Real Estate
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Editor’s Choice
Buy a Home With $0 Down — No PMI
The VA loan is one of the most powerful financial benefits available to veterans and active duty service members. No down payment, no private mortgage insurance, and competitive interest rates. Rates vary significantly between lenders — most veterans who shop around save thousands over the life of their loan.
Most veterans qualify without knowing it. Takes about 2 minutes to check eligibility and compare lenders.
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Lower Your Rate or Access Your Equity
Already own a home? The VA IRRRL (streamline refinance) can lower your rate with minimal paperwork, while a VA cash-out refinance lets you tap up to 90% of your home’s equity. Both options typically come with better terms than conventional refinancing.
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Window Replacement — Free In-Home Estimate
Energy-efficient windows can significantly reduce heating and cooling costs — and the VA’s SAH/SHA grants typically don’t cover standard window replacements. Get a free in-home estimate with no obligation and see what the savings look like for your home.
Get a Free Estimate4
Home Warranty — Protection When You Need It Most
Major home system failures — HVAC, water heater, plumbing, electrical — are among the most expensive surprises for homeowners. Best suited for veterans and military homeowners: a home warranty converts unpredictable repair bills into a fixed monthly cost, and means a contractor shows up even when you’re deployed or on TDY.
Compare Home Warranty Plans5
Gutter Guards — Eliminate the Maintenance Permanently
Gutter cleaning is one of those tasks that never goes away — until you install guards. LeafFilter and similar systems come with professional installation and multi-year warranties, eliminating ladder work and water damage risk from clogged gutters for good.
Get a Free Estimate6
Bathroom Remodel — Walk-In Showers & Tub Conversions
Walk-in shower conversions and tub-to-shower updates are among the most popular home upgrades for military families — both for safety and resale value. Get a free estimate on a full bathroom update, walk-in shower, or tub conversion with no obligation.
Get a Free Estimate7
Metal Roofing — The Last Roof You’ll Ever Need
Traditional asphalt roofs last 15–20 years. Metal roofs last 40–70 years with minimal maintenance — and often reduce home insurance premiums. Get a free roofing estimate and compare options for your home.
Get a Free Roofing EstimateInsurance & Protection
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Military Auto Insurance — Most Veterans Overpay
Military members and veterans qualify for specialized rates — but loyalty to one insurer costs more than shopping around. USAA is well-known, but it’s not always the lowest rate. A quick comparison takes under 2 minutes and could save hundreds annually.
Compare Auto Insurance Rates9
SGLI Ends When You Separate — Compare Rates Now
Servicemembers’ Group Life Insurance covers you while you serve — but it ends at separation. VGLI picks up after, but premiums increase every five years. Many veterans find significantly better rates through private term life insurance, especially while still in good health.
Compare Life Insurance Rates10
Home Security With a Military Discount — No Long-Term Contract
Cove offers DIY installation, a verified military discount, and month-to-month monitoring — no long-term contract that leaves you stuck when PCS orders change. Works whether you own or rent, active duty or veteran.
See Military Pricing11
Military Families Are the #1 Target for Identity Theft
The FTC consistently ranks military consumers among the most targeted for identity fraud. Deployments make problems harder to catch early. The VA provides no identity monitoring — that’s on you to set up independently.
Military #1 target for identity fraud · VA provides zero monitoring
Compare Identity Protection Plans12
PCS Moves Are Hard on Pets — Vet Bills Are Harder
Military families move more than almost anyone — and pets come along for all of it. Emergency vet visits during a PCS transition can run into the thousands. Pet insurance is one of the most overlooked protections military families wish they’d set up sooner.
Compare Pet Insurance PlansFinancial & Retirement
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Protect Your Retirement Against Inflation
Military retirement pay is valuable — but inflation erodes fixed income over time. Gold and precious metals have historically served as a hedge against inflation and currency devaluation. Many veterans diversify a portion of retirement savings into physical gold or gold-backed IRAs.
Learn About Gold Investing14
Hair Loss Treatment — Not a VA-Covered Benefit
The VA covers a wide range of medical needs, but cosmetic and elective treatments like hair loss medication typically don’t qualify. FDA-approved treatments are available through telehealth providers and are often significantly more affordable than expected.
VA coverage: Generally not covered — considered cosmetic under VA guidelines.
See Treatment Options15
Military Mattress Discount — Sleep Better, Pay Less
Quality sleep is critical for performance and recovery — and military members and veterans qualify for significant discounts on premium mattresses. Compare options and see current military pricing from top-rated brands.
See Military Mattress Discounts17
Flooring — Compare Options & Get a Free Estimate
New flooring is one of the most impactful home upgrades for resale value and daily comfort. Whether you’re upgrading before a PCS sale or improving your forever home, compare flooring options and get a free in-home estimate with no obligation.
Get a Free Flooring Estimate18
AARP — Available from Age 50, Most People Join Too Late
AARP membership is available starting at age 50 — but most veterans don’t join until their late 60s, missing years of discounts on travel, restaurants, insurance, and prescriptions. The low annual fee pays for itself quickly for anyone using even a handful of the discounts.
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