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 Offer expires: 31/03/2016 but can be withdrawn at any time.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 (1718)

Customers rate our service at 92%

Based on 1718 independent customer reviews.

DateProductScoreCustomer Comment

Commercial Combined Insurance (Renewal)


My request still not resolved

Commercial Combined Insurance (Renewal)


The young lady with whom I dealt was very helpful and patient with chasing my payment. (I was on a cruise at the time!)

Commercial Combined Insurance (Renewal)


Reported break in was told Axa deal direct and they would pass on my details. No sense of urgency or compasion for how distressed I felt. No pffer to give me Axa's number.
Called back 6 hrs later having heard nothing. Again no sense of urgency, I was given Axa's number to chase myself.

Commercial Combined Insurance (Renewal)


Towergate overcharged me £10.00 on a card payment by phone. It only came to my attention when I noticed it on a bank statement. It then took over 2 hours, 8 phone calls later when they finally sent a cheque for £10.00 which costs me money to cash.
Terrible service and no communication within organisation.

Unoccupied Insurance (New Policy Holder)


The service was good but very expensive

Specialist Insurance (New Policy Holder)


Very helpful and Knowledgeable staff with a practical and realistic attitude such a change.

Boat Insurance (Renewal)


The serious errors in our policy's paperwork were absolutely appalling and it took four attempts by Towergate to put them almost correct. If I had not checked the paperwork in detail it would have been very serious indeed and we would not have had the insurance cover that we had previously arranged. I would certainly not recommend this company. Very disappointing indeed.

On 29-Jan-2016 the supplier responded:
Product :Thank you for taking the time to provide us with your feedback. We were really sorry to read that you have been disappointed with the service you received. I note from your Policy that the matter has since been rectified however, if we can be of any further assistance please don’t hesitate to call us on 0344 892 1987.

Boat Insurance (New Policy Holder)


Seems ok. Haven't had to claim off them yet. Helpful staff.

Specialist Insurance (New Policy Holder)


Very helpful thankyou

Boat Insurance (New Policy Holder)


Quick setup, well explained and personable staff.

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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