Military Home Owners Insurance

Home owners insurance designed for those in the armed forces.

  • Benefit from kit, contents and home insurance designed specifically for military personnel
  • Our teams are in house from quote to claim so you get the service you need without being passed around
  • Flexible claims process - because we understand you can't always call us straight away

Get a military home quote and buy your policy straight away:

Get a quote

Call us to set up a policy or just ask a question:

01242 533 783
01242 533 747

We’re here for you +44 outside UK. Weekdays 9am - 5pm
Can’t get through right now? Request a callback

Known as our Right Dress Advantage policy, our cover can help with the following:

Right Dress Advantage

This policy is designed for military personnel, no longer living in rented MOD accommodation and who have now purchased their own home. This policy enables you to cover your home for buildings insurance as well as offering cover for your contents and personal effects.

New for old cover

If your insured items are lost, stolen or damaged beyond repair the policy covers you for a replacement as new. The only exceptions are civilian clothing and bed linen, where a deduction will be made for wear and tear. We will always try to replace your goods with the same item or the closest equivalent model.

Optional extras

We can also provide insurance for personal accident, legal expenses and insurance for your policy excess. If you are interested in any of these extras just ask the military insurance team for more information.

Flexible claims process

We accept as part of your job role it’s not always possible to report incidents of loss straight away whilst on deployment. As such, we are more flexible with our claims process and ask that you report your losses in no later than 180 days of becoming aware of the loss. Still report to us as soon as you can though - the quicker we know, the quicker we can resolve the claim for you.

Compare our three military insurance policies below:

Cover for:Military Kit Insurance – Right Dress Basic Kit & Contents Insurance - Right Dress Kit & HomeHome Owner's Insurance - Right Dress Advantage
Personal affects
License to occupy
Home contents
Home owner's insurance    

If you'd like to include personal accident cover, legal expenses or insurance for your excess please speak with a member of the team.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Military Home Owners Insurance Claims

Simply call us and talk us through the details of the claim. We will advise you of the next steps and guide you through the process right through to settlement.

In line with our service pledge, we will act within 24 hours of being notified of your claim and within five days if you provide us with new information on an existing claim, to ensure that your claim is settled as quickly as possible.

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

01242 533748

We're here to help Mon-Fri, 9am-5pm

Military Home Owners Insurance Articles & Guides

Learn more in our military hub:

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The Art in War - Tattoos in the Military

Tattoos have been common place in the army for a few decades now and they have varied from designs relating to specific campaigns and regiments, to images relating to individual’s religious beliefs and experiences.

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insurance guide

Military Kit and Home Buyer's Guide

In this guide we’ll take you through the key points of our military cover, explain them in straight forward terms and give you some insight into our policies. Read on to find out more.

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Towergate military home insurance - what you need to know

A lot of our military customers come to us with questions about how to keep their home and contents properly insured while they are away on deployment or living in barracks. Our newest video answers some of those questions and more.

Military Home Owners Insurance FAQs

Are my goods covered while I'm on the move?

This is known as goods in transit cover. We understand as part of military life you’re often on the move, which can mean experiencing loss or damage of kit and contents whilst travelling from one place to the next. As such, all of our policies provide cover for your goods to the value of the contents sums insured whilst they are in transit as long as it is a result of any MOD posting.

Where can I find cheap military kit insurance?

It’s important to consider the best value insurance rather than the cheapest. When you are comparing policies, compare both the price and the cover to ensure you are getting the cover you need not just a cheap policy.

Are my families belongings also covered?

Our policies can cover your ‘family unit’, meaning contents within the home are covered. Your personal effects cover can extend to your partner and children and also protects their personal possessions whilst away from the home. You can also add cover for your children whilst away at school or university as long as the address details are specified.

Is accidental damage included?

Yes, if items you own or are responsible for are accidentally lost or damaged they are covered. Please note that general wear and tear and mechanical breakdown are not covered.

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

No but if you leave items unattended in your car they must be locked out of sight in the boot or locked in a glove compartment. Leaving items on display or hidden under a coat on the back seat will only attract the attention of thieves.

I have a household insurance with another company. Can I just insure the items I take on an unaccompanied posting?

Our policy is designed specifically for the insurance needs of members of HM Forces, we have over 60 years’ experience in providing specialist advice to our military customers. Under the terms of our policy we would not need to know about an unaccompanied posting.

How should I split the values of my home contents and items I take away with me?

All you have to do is show the full value of the items you own under each section. There is no need to insure personal items like watches and jewellery twice. The total value of all of the sections you select should then represent the total value of all of your contents and possessions. Remember- we insure you on a new for old basis so think how much you contents will cost to replace as new.

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.

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