Foster Home Insurance

Home insurance specifically designed for foster families.

  • 10% discount for new customers who are members of The Fostering Network
  • Intentional damage, theft, and attempted theft by foster children covered as standard
  • No need to tell us about your foster placement's background or any criminal history

Request your foster insurance quote online

Make an Enquiry

Or speak to an adviser to find a policy for your individual needs

0330 123 5304
0330 123 5304

Weekdays 8.30am – 5.30pm
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We understand that there’s a little more to home insurance if you also welcome foster children into your home. Here’s how we can help:

More than a standard home policy

Regardless of their background or whether they have a criminal record, our foster home insurance can cover children you are fostering to stay in your home. Hopefully you’ll never need it, but we do provide extra cover for theft or attempted theft, malicious damage and vandalism, caused by a foster child in your care. With a maximum of four placements covered at one time, we do not need to know when these placements change or when new placements arrive.

Covering contents

Contents cover may be a standard feature on many home insurance policies but it may not cover your foster children's' possessions. Our policy covers your foster children’s possessions along with items such as mobile phones and laptops under general contents. Cover away from home for you as standard too. Our cover can also extend to pedal cycles up to the limit within general contents, and higher-value cycles can be added as an additional extra along with more valuable items such as jewellery and watches.

Specialist advisers

Along with a specialist policy to meet your needs as a foster carer, we also have a team of experienced advisers on hand Monday to Friday who are trained to assist with any queries relating to your cover as a foster carer. We understand how busy foster carers can be, so you can contact us by phone, email, or post - whichever suits you best.

No add-ons needed

The policy automatically includes family legal protection and a 24 hour legal advice helpline. It also includes loss recovery assistance, offering you independent advice from an expert loss adjuster, who will deal directly with the insurer on your behalf to help negotiate and settle larger claims.

Foster Home Insurance Claims

It’s our aim to take the stress out of a stressful situation. Our friendly team are here to guide you through the process as smoothly as possible.

Please call us as soon as you feel you might need to claim and we can help you with the next steps in getting things sorted.

Photographs of any damage will also help us to get things moving quicker so please take a few to send over if you have a chance.

Need to make a claim?

Get things started, call our in-house claims team on:

01438 739731

Our team are on hand weekdays between 9am and 5pm.

Foster Home Insurance Articles & Guides

We've selected the following content for you:


insurance guide

A Guide to Insurance for Foster Homes

Becoming a foster parent is incredibly rewarding but it takes a lot of hard work and understanding to provide a good and stable home for foster children. Insurance is probably one of the last things you’ll consider in the grand scheme of things, but having the right cover in place could be very beneficial for you and for the children you care for.

Finalists And Winners


Welcome to the Towergate Care Awards 2017

On 23rd March 2017, the Towergate Care Awards culminated in a ceremony, welcoming 27 finalists to the Dorchester Hotel in London. Each category winner was presented with their trophy and a Red Letter Day voucher, and two highly commended winners per category received certificates and a Red Letter Day voucher. Last but not least, our Towergate Care Awards Winner 2017 was presented with a trophy, £2500 worth of holiday vouchers, and a standing ovation. Read on to find out about this year's winners.

Foster Home Insurance FAQs

How is your home insurance tailored specifically to the needs of families with foster children?

Having worked with a number of individual foster carers and associations, we have devised a foster insurance policy specifically for you, offering cover for the bespoke needs and requirements that you have. We understand the challenges faced by foster carers and provide a flexible solution for the protection you need.

How do I obtain a foster home insurance quote from you?

We can provide you with a quote on the phone, at a time convenient for you. You can contact us on 0330 123 5304, Monday to Friday between 9am and 5pm. Alternatively, you can fill in your details by clicking the 'make an enquiry' button at the top of this page, and we will get back to you.

My current home insurance policy doesn't cover malicious damage by any foster children in my care, does yours?

Yes. Our foster carer insurance policy covers you against any malicious damage, vandalism, theft or attempted theft of any foster child in your care.

Do I need to tell you every time I take in a new placement?

No. We don't require you to tell us when you accept a new placement, regardless of the child's background or situation. Our cover extends to a maxiumum of four children in your care at one time.

How much should I insure my home for?

For your buildings, you need to take into consideration not only the cost of rebuilding the main property but also any outbuildings, swimming pools, boundary walls, etc. The value should include solicitors' and surveyors' fees and demolition costs. With your contents you need to consider all household goods and personal property and how much you would have to pay to replace them as new.

My current home insurance is due for renewal very soon, how quickly can you arrange cover?

We can usually provide immediate cover once you have received and agreed to your quote. We will always try to cater to your circumstances, so just let us know if this is the case.

What do I do if I need to cancel my cover?

You are entitled to a full refund of the premium paid if you find the policy unsuitable for your needs and cancel it within 14 days of receipt of your policy documents (as long as no claims have been made).

If you need to cancel cover after that time, cancellation charges will apply. Please call us or notify us in writing with the reason for cancellation and state the date from which you need the cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter.

If you have any more queries, please do not hesitate to contact our specialist foster home customer services team on 0330 123 5304.

Can I pay for my foster home insurance in instalments?

Yes, you may pay over 10 months with our third-party provider, Premium Credit Ltd (PCL), subject to a 5% interest rate.

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.

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