Home Insurance

We offer two cover levels: Standard and Standard Plus. Our standard product features include:

    For home owners:

  • Cover for your home including buildings, contents, valuables and personal belongings
  • Up to £4,000 for any one single item of military kit
  • Up to £500,000 building cover and £50,000 contents
  • Up to £20,000 for alternative accommodation
  • Up to £2,000,000 property owners’ and public liability
  • Choose your excess from as little as £50

    For tenants:

  • Cover for your contents, valuables and personal belongings
  • Up to £4,000 for any one single item of military kit
  • Up to £5,000 cover for personal belongings
  • Up to £20,000 for rent due or alternative accommodation
  • Up to £2,000,000 occupiers’ and public liability cover.
  • Choose your excess from as little as £50
  • Optional add ons

    Home emergency cover

  • Up to £1,000 to make your home safe and prevent more damage
  • Up £250 for overnight accommodation
  • Family Legal Cover

  • Up to £50,000 Family legal cover for cost and expenses *

* Subject to terms & conditions.

The Military Mutual Home and Contents cover is underwritten by Builders Direct S.A. Home emergency and family legal protection cover is provided by DAS Legal Expenses Insurance Company Limited.

Key considerations

The Military Mutual’s Home and Contents cover is suitable for everyone. Whether you’re a home owner or a tenant – if you have particularly valuable buildings or contents that need protection, we also offer Standard Plus cover, which offers an even higher level of cover.

We have no shareholders; any surpluses belong to our members and can be used to support military-related causes – so by becoming a member, you can help us continue to support our Armed Forces.

It’s the least we can do.

If you’re in the Armed Forces

Whether you’re at home or away, your contents need cover – from your personal valuables to your military kit and of course, your home itself. We’ve arranged cover that’s flexible around you. Serving members of military personnel will have their military kit covered for them as standard.


We understand the need for peace of mind after serving with the military, and the cover is designed to reflect that. The cover we offer can protect your contents, including medals and other valuables, and offer home cover that can be enhanced by adding optional cover like accidental damage cover, Home emergency cover and Family legal protection, so you can get back to normal as quickly as possible.

Family, friends and supporters

The Military Mutual is dedicated to serving the wider military community and the home and contents cover we offer is available for people outside military life as well.

Get a quote!
Call our UK call centre
0800 088 2966

Monday to Friday: 8am – 8pm
Saturday: 9am – 6pm
Sunday & National Bank Holidays (Closed)