Military Home Insurance

Protect your home, plus its contents including your military kit and personal possessions

Our Armed Forces specific home insurance offers you worldwide cover for your home contents, occupiers and personal liability cover and optional combined buildings cover too.

20% Discount and £30 Cashback

Offer applies when you take out Kit Insurance and Kit and Home Contents Insurance*

See terms and conditions.

*Offer available to new customers only. Discount is issued immediately. Cashback will be paid by bank transfer following payment of 3 months’ premium and within 6 months of purchasing the policy. Offer applies to Basic Right Dress, Right Dress and Right Dress Advantage products only. Offer expires: 30/06/2015 but can be withdrawn at any time. Calls may be recorded

01242 533 783
01162 407 733 +44 outside UK. Weekdays 9am - 7pm
Get a quote Request a callback

Military home insurance features

  • Covers you worldwide

  • Occupiers and personal liability cover

  • Damage to service accommodation

  • Home contents cover

  • Buildings cover up to £1 million

  • Uniform and kit issued on a permanent or temporary basis

  • Purchased uniform and kit cover

  • Civilian clothing cover

  • Personal effects including valuables, sports equipment, specified laptops, iPods and MP3 players

  • Occupiers legal Liability; we will pay for your legal costs if an incident caused by you injures others or damages their property

  • Pedal cycles and mobile phones (available as an optional extra)

  • 24-hour domestic helpline to help you source a local tradesman in an emergency

  • Optional cover for legal expenses

  • Extension for professionally leased properties covering your building and contents if you're posted overseas and professionally let your property

  • Option to cover children's personal effects at boarding school/university

  • No charges for policy cancellations

Prefer to spread the cost of your policy?

Paying by direct debit is an affordable and convenient way to pay for your policy. Through our preferred provider, Premium Credit Limited (PCL)*, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments.

To find out more about PCL and direct debit payments, select Direct Debit.

*To understand more about how PCL work together with Towergate, please read our Regulatory Information.


Military home insurance exclusions

  • Intentionally caused damage

  • Wear and tear

  • Loss in value

These are just some of the key exclusions/limitations, full details will be found in policy wordings.


Military home insurance FAQs

Is accidental damage included?

Yes, if items you own or are responsible for are accidentally lost or damaged they are covered.

Am I covered if I am posted out of the UK?

The cover under all sections of the military home insurance product is worldwide, except home contents where cover is restricted to the address shown. If you move within the UK or abroad please let us know your new address in advance to ensure that full transit cover is given.

Does my excess increase if the claim is as a result of transit damage or because items were stolen from my car?

No, unlike other insurers we do not have "hidden" excesses as this would penalise you when you are most at risk.

Is there a limit to the amount paid if items are stolen from my car?

No, but if you leave items unattended in your car they must be locked out of sight, either in the boot or glove compartment.

Where can I find more information about monthly Direct Debit?

If you want to know more about our monthly payment option, please read our dedicated page on Direct Debit.


Military home insurance claims promise

With over 60 years' experience in the military insurance market, you can be sure that we pay as much attention to detail when it comes to our claims service as we do throughout your experience with us.

Dealing only with A rated insurers, we have confidence that should the worst happen, your claim will be handled by a dedicated claims team offering the exemplary service that we expect from all of our own team and partners.

Your military home insurance claim

Simply contact the military home insurance claims team using the details within your policy documents and you will be talked through the details of the claim. You will be advised you of the next steps and guided you through the process right through to settlement. Furthermore, backed by an emergency 24 hour helpline you can be sure that you have support from experienced claims handlers whenever you may need it.


Military home insurance policy documents

Policy Wording [pdf, 204 KB] Policy Summary [pdf, 97 KB]
Customer Reviews (1961)

Customers rate our service at 93%

Based on 1961 independent customer reviews.

DateProductScoreCustomer Comment

Military Kit Insurance (Renewal)


Wrong quote sent, I think if I had not contacted the help desk I would have been charged a higher amount

On 08-Aug-2014 the supplier responded:
Thank you for your response, if you wish to discuss further or there is anything we can do to help please contact us on 01242 533 747

Many thanks,
Towergate Feefo team.

Military Home Insurance (Renewal)


When you are speaking to someone, they are courteous and helpful and the process is smooth. But general administration/paperwork is lacking. I did not receive my renewal this year and had to ring up three times to get a copy.

Military Insurance (New Policy Holder)


Thank you very much

Military Insurance (Renewal)


Efficient,friendly,and helpful. Much better than my recent experience with government agency helplines!

Military Insurance (Renewal)


The operative listened and responded to my request.

Military Insurance (New Policy Holder)



Military Insurance (New Policy Holder)


I have always been extremely impressed with the service which Towergate Wilson provide this unit. In particular Jennie Taylor in the Service Funds Dept is an absolute star, always accommodating my last minute requests, never phased by any issues I might have (extremely knowledgable) and always seeking to provide me and my unit with the best possible outcome. I have had a few enquiries from other providers to move to their organisations for insurance and Service Fund administration and I have always turned these down immediately because of the experiences I have enjoyed with Towergate Wilson.

Military Insurance (New Policy Holder)


Every time i call with a quiery, your team are quick and explain exactly what i need.

Military Insurance (New Policy Holder)


Have always provided a reasonable service. After a claim, were significantly more efficient at resolving it than other insurers were. Seem to understand the needs of military insurance, although their off the shelf policies aren't really geared towards the requirements of someone in SSSA.

Military Insurance (Renewal)


Very informative and helpful, left me in no doubt, what was covered in the policy. nothing else to add, except I would recommend to any other associations.

View all reviews >>

01242 533 783
01162 407 733 +44 outside UK. Weekdays 9am - 7pm
Get a quote Request a callback
Feefo logo

Request a callback

Full name   Contact number     Please note: This service operates only during office hours.