Oh goddamn, be ready to take pictures, submit detailed descriptions and SN's, etc. It's like they DON'T want to. And it only covers so much. Money is better spent on a TL30X6 or better vault.
I think they do civilians, I've had it since I was in service though and I know they do vets. They've been great car insurance --I usually get a check back at end of the year.