Cover For Your Home

Our Mutual Home Product is no longer available to new members but remains in force for existing members who purchased or renewed their cover prior to 1st April 2020. We are developing an alternative Home proposition for our members that will be available later in the year. Information on this page relates only to members whose cover incepted prior to 1st April 2020.

It is important you ensure that your home continues to have uninterrupted cover by either accepting a new Select and Protect quotation or sourcing alternative cover elsewhere prior to your renewal date. TMM will not be able to provide any extension of your home cover nor the benefit of the Group Insurance policy after the current expiry of your cover.

Why Choose The Military Mutual

  • Available to everyone, whether you’re serving, a veteran, a pensioner, a family member or a proud supporter of our armed forces
  • Up to £1,000,000 buildings cover and £1,000,000 contents cover
  • Cover options include accidental damage, home emergency and family legal protection
  • Military kit is covered as standard for serving members
  • Friendly UK-based call centre
  • We’re a mutual which means we have no shareholders. We’re owned by our Members – our customers. Any future surpluses can be used to support military-related causes

Together we’re Stronger

You don’t have to be in the armed forces to be a Member and take out cover with us. If you support our armed forces and believe they do a great job you’re welcome to join us.

At The Military Mutual, our Manifesto is very simple: always do the right thing for our Members.

It’s why as a Mutual, we don’t have shareholders, which means our Members can have a say in how we do things. It’s also the reason why we can use our discretion to agree claims that may not be included in the cover or are more than terms would normally allow.

We’ll always do what we believe is the right thing to do.

For further information concerning your existing home cover please call the number below.

Who Provides Your Cover

The Military Mutual offers cover on a discretionary basis to its Members which means the Board can, at its discretion, settle claims outside the normal terms and conditions if they feel that Members would support this.

We collect contributions from our Members and use these to pay claims and to cover operating expenses. Any future surpluses generated beyond these needs belong to our Members and can only be used for the benefit of our Members or as agreed by our Members.

For Home Owners and Tenants

  • Cover for your contents, valuables and personal belongings
  • Up to £50,000 contents cover including up to £3,000 for any one single item with Standard cover
  • Up to £1,000,000 owners’, occupiers’ and personal liability cover
  • Your contents and personal belongings covered worldwide for up to 60 days as standard
  • Military kit covered as standard for serving military personnel
  • Choose your excess from as little as £50

Buildings Cover

  • Up to £500,000 buildings cover as standard

Optional Add Ons

Home Emergency Cover

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

Family Legal Cover

  • Up to £50,000 Family Legal Cover for cost and expenses
Cover LevelsStandardStandard Plus
Accidental damageOptionalIncluded
Alternative accommodation£20,000£50,000
Replacement locks£500£1,000
Finding a leak etc£1,000£2,000
Building materials£50,000£100,000
Damage to trees, plants and shrubsNot Included£1,500
Home Contents and Personal Property£50,000£100,000
Accidental damageOptionalIncluded
Protection limit each unspecified item of personal belongings and valuables£3,000£5,000
Protection limit for each piece of kit£4,000£7,500
Money and bank cards£250£1,000
Fridge or freezer contents£250£500
Alternative accommodation£10,000£20,000
Replacement locks£500£1,000
Trees and shrubsNot Included£1,500
Domestic heating oil and water£1,000£2,000
Living quarters and MOD contents£20,000£20,000
Pedal cycles£500£1,500
Contents in the open£1,000£2,500
Property in student accommodation£1,500£2,500
Property in a bank, where you work etc£2,500£5,000
Fatal injuryNot Included£25,000
Home business moneyNot Included£25,000
Home business costs to continue workingNot Included£25,000
Home business stolen or damaged recordsNot Included£5,000
Your Legal Liabilities£2,000,000£2,000,000
Liability to domestic staffNot Included£10,000,000
Unpaid compensation and legal costsNot Included£2,000,000
Home business liabilityNot Included£2,000,000
Personal Accident (For HM Forces Personnel)
Loss of both arms or legs£40,000£80,000
Loss of sight in both eyes£40,000£80,000
Loss of sight in one eye£20,000£40,000
Loss of one arm or leg£20,000£40,000
Loss of speech£20,000£40,000
Loss of hearing in both ears£20,000£40,000
Loss of use of hands, feet, arms or legs£20,000£40,000
Permanently disabled and cannot work£20,000£40,000
Hospital each day£30£60
Burns to more than 25% of your body£10,000£20,000
Broken arm or leg£500£1,000
Short term disability each week£80£160
Loss of both arms or legs£40,000£80,000
Holiday Cancellation (For HM Forces Personnel)£2,500£5,000
Family Legal Protection (Optional Extra)£50,000£50,000
Home Emergency (Optional Extra)
To make your home safe and prevent more damage£1,000£1,000
Overnight accommodation£250£250

Telephoned Military Mutual today after receiving their leaflet through the post and I am glad i did, i was speaking with a very pleasant young lady Sasha who set up my home and contents insurance very promptly and at a very reasonable price.

A. Perry

I have received the payment, thank you so much for all your help, you’ve been really helpful and I’m very pleased that I picked such a good company for my home cover!

K. KerridgeHome Insurance customer

I appreciate The Military Mutual helping out an ex-serving member. It’s nice to see a company that helps out the military and ex-military personnel.

CD, Midlothian (ex-Army)Buildings & Contents Cover

I sent an email in the morning and got a call back in the afternoon. After a good, interesting and informative conversation I have happily taken out a policy, and will come back for a car insurance quote as and when.

DB, Gosport (ex-Royal Navy)Home & Contents Cover

I found The Military Mutual to be prompt; you rang us today as you said you would. The people I spoke to were courteous, and gave me very competitive prices. I cannot fault you!

GJ, Manchester (ex-Army)Home Cover

The Military Mutual has given me an outstanding quote. I am truly impressed on how superb the service is and I will recommend The Military Mutual to everybody who asks me.

GS, London (currently serving in the Army)Military Kit & Personal Belongings Cover

I follow The Military Mutual on Twitter and I think that it’s really good that you look after military personnel. You answered all my questions and explained all of my options. I had an A1 service from the people I spoke to.

DH, Gosport (ex-RN)Home Cover

Very friendly and helpful. Great product, price and service. Highly recommend.

MS, Devon (ex-army)Home Cover

I would like to take this opportunity to congratulate you on your colleague Steve’s professional and courteous manner in which he dealt with me on the phone. After saving £90 on my Home Insurance renewal I will have no hesitation in recommending your company to my friends and colleagues!

Mr Gary D

Frequently Asked Questions

How does our Home Cover work?

There are two main types of Home Cover: Buildings Cover and Contents Cover; you can also buy Combined Buildings and Contents Cover.

Buildings Cover protects the structure of your home – for example, your walls, windows and roof, as well as permanent fixtures and fittings, such as baths, toilets and fitted kitchens – while Contents Insurance covers the possessions in your home.

As well as covering you for theft, our home cover also protects you against damage caused by a number of unforeseen events, including flooding, fire and explosions.

Is Home Cover a legal requirement?

It’s not compulsory to take out Home Cover, but if you have a mortgage on your property the lender will almost always insist that you have adequate Buildings Cover in place. If you’re buying a home, you should make sure you have Buildings Cover in place when you exchange contracts, as you then have a financial interest in the property. You may also be covered under the seller’s insurance. 

Why is Home Cover important?

Your home is probably your largest and most important asset — not to mention that it’s also the roof over your head. It makes absolute sense to protect it.

As for Contents Cover, how would you cope if you lost all of your possessions in a fire or your valuables due to a robbery?

How much Home Cover do I need?

For Buildings, it’s important to make sure you have cover for the amount it would cost to completely rebuild your home. The cost of rebuilding your home isn’t the same as the price you paid for your home, or its current value if you were to sell it. Rebuild costs are usually less than the current market value, so make sure you don’t over or under insure yourself.

To help you work out the cost of rebuilding your home, there’s a Building Cost Information Service online calculator on the Association of British Insurers’ website.

Important Documents

Home Cover purchased or renewed from 22nd May 2019 to 31st March 2020

Endorsement to Home Group Policy 27 March 2020

A minimum excess of £50 applies to claims under Sections 1 to 4 of cover. For Section 2, legal liability and occupier’s liability, the excess only applies to claims for damage to property. The excess is the amount you pay towards the cost of a claim. Home Emergency and Family Legal Protection are provided by DAS Legal Insurance Services Limited. An excess of £250 applies to claims for legal nuisance or trespass.