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, subject to underwriting acceptance. 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 Offer expires: 31/03/2016 but can be withdrawn at any time. Calls may be recorded

01242 533 783
01242 533 747 +44 outside UK. Weekdays 9am - 5pm
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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

Customer Reviews (1426)

Customers rate our service at 93%

Based on 1426 independent customer reviews.

DateProductScoreCustomer Comment

Nursery Insurance (New Policy Holder)


Staff were great help. Answered all questions and really knew the info I needed.Smooth process taking out the policy which is a great help.

Professional Liability Insurance (New Policy Holder)


Everything dealt with efficently and courteously

Professional Liability Insurance (Renewal)


Towergate have consistently provided me with my professional indemnity insurance for over 12 years. The communications and contact has been positive, however I would appreciate their consideration of providing either some form of 'no claims' discounts or some form of rewards for staying with them. As you can appreciate - having been with them for this length of time, and not having any insurance claims made, it would be advantageous for towergate and their customers to look at how they might offer a USP and provide further compelling reasons to stay with them.

On 26-Apr-2016 the supplier responded:
Hi. We are really pleased to hear that you have been our customer for over 12 years! And we’re also pleased that you have found communications and contact to be positive in this time. We really appreciate your feedback and will certainly look at ways we can reward our loyal customers like you. No-claims discounts are not something we can offer with the type of policy you have, but we will absolutely look at other opportunities to thank you for staying with us. Thank you for taking the time to give us this idea and we hope to be able to update you on some exciting new initiatives in the near future. Many thanks, Towergate Caring Professions Division.

Photography Insurance (New Policy Holder)


The information provided and the recomended package was tailor made for my needs and I was very pleased

Photography Insurance (Renewal)


I would give Towergate a good rating as they are easily contactable without being put on hold with endless information options, I often speak to the same person and because they are present at the trade shows it means I can put a face to the name as too. This means the whole experience is more personal.

Professional Liability Insurance (Renewal)


I had to call about my insurance, this was because you put the price up nearly £40 and I couldn't understand why. It was change when I called, I'm sorry to say I am busy and I would like the price I am going to pay on the renewal notice. Thank you

On 26-Apr-2016 the supplier responded:
Hi. Firstly, we would like to apologise for the issue you experienced on this occasion, and thank you for taking the time to let us know about it. While we do everything in our power to ensure that renewals are invited correctly, sometimes issues do occur that result in there being a mistake with the premium pulled through, which is what happened in your case. We appreciate that when you are so busy, you don’t always have time to speak to us, so it is important that your documents are correct. We are very sorry about this and will work hard to ensure this doesn’t happen again, to you or any other customer. If you would like to talk to us in more detail about this, please call us on 01438 735251. Many thanks, Towergate Caring Professions Team.

Professional Liability Insurance (Renewal)


The company enable to meet my requirement for the policy

Professional Liability Insurance (Renewal)


It is ok

Professional Liability Insurance (Renewal)


I found the person I spoke to was very helpful

Photography Insurance (Renewal)


Perfect in all respects

View all reviews >>

01242 533 783
01242 533 747 +44 outside UK. Weekdays 9am - 5pm
Get a quote Request a callback
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