Landlord Cover

Landlord Cover designed to help you protect your residential letting properties

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
  • Build your cover to suit your needs including buildings, contents and loss of rent if a tenant defaults
  • Up to £1,000,000 Buildings cover and £100,000 Contents cover with our Standard Plus cover
  • Experienced, friendly UK-based call centre
  • We’re a mutual which means we have no shareholders; any future surpluses belong to our Members and 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 or take out Landlord 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.

As a Mutual, we don’t have shareholders. Instead, our Members can have a say in how we do things. That’s why we can use our discretion to agree claims that aren’t 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.

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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 surplus beyond these needs belongs to our Members and can only be used for the benefit of our Members or as agreed by our Members.

As an added benefit of membership, we have purchased for some of our products additional protection for our Members under group insurance policies with Builders Direct S.A., a European insurance company rated A- (Excellent) by A.M. Best for its financial strength. These Group Insurance Policies exactly match your Mutual cover with us and also give you access to the Financial Ombudsman Service (FOS) and the Financial Services Compensation Scheme.

The protection you can receive under the Group Insurance Policy guarantees that you will be paid for a covered loss in the event that we do not pay you in full under the discretionary cover. These Group Insurance Policies are quite separate from your discretionary cover with the Mutual. There is no charge to you for these Group Insurance Policies.

Our product features include:

For Landlords

  • Cover for rental property buildings and landlords’ contents
  • Up to £500,000 cover for your buildings on Standard cover and even higher on Standard Plus
  • Up to £500,000 towards temporary alternative accommodation for tenants as standard
  • Up to £2,000,000 for your legal liability as owner of the property
  • Flexible excess starting from as little as £50

Optional Add Ons

  • Optional cover for the monthly rent if your tenant defaults, for monthly rents up to £2,500
Cover LevelsStandardStandard Plus
Your Buildings£500,000£1,000,000
Accidental damageIncludedIncluded
Alternative accommodation£500,000£1,000,000
Replacement locks£500£1,000
Finding a leak etc£1,000£2,000
Building materials£25,000£50,000
Unauthorised use of services£1,000£2,000
Landlords’ Contents£50,000£100,000
Accidental damageIncludedIncluded
Trees and shrubs£500£1,500
Contents in the open£50,000£100,000
Alternative accommodation£10,000£20,000

If You’re In The Forces

If you’re serving away from home, you’ve got bigger things on your mind than managing the cover for your rental property. The cover for landlords has been designed to make protecting your rental property as easy as possible, so you can focus on what’s most important.


We understand the need for security and peace of mind, whether you’re a recent or long-standing veteran. Our cover is designed to help you keep you and your rental property financially protected, so you can rest assured your affairs are in good hands.

Family, Friends and Supporters

The Military Mutual is dedicated to serving the wider military community, you don’t need to be in the armed forces to benefit from great value cover. If you believe the armed forces do a great job, consider taking out your Landlord Insurance with The Military Mutual.

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

What does our Landlord Cover provide?

Our Landlord Cover protects landlords against the risks associated with renting out their property.

It can include a number of useful features, such as buildings insurance, accidental damage cover for landlord’s property, legal liabilities and financial protection against loss of rent.

Our Landlord Cover offers all of these options to residential landlords only.

Is Landlord Cover a legal requirement?

Most lenders make buildings cover a requirement of taking out a buy-to-let mortgage. If you employ anyone other than a family member, such as a cleaner not provided through an agency, you’ll need employer’s liability insurance.

Even if you don’t have a mortgage it’s advisable to protect the buildings. It’s also worth considering taking out contents cover if you’ve furnished the property or have items such as cookers and washing machines in the property. Our Mutual Landlord Cover also comes with an insurance contract from Builders Direct, giving you both Mutual protection and contractual insurance rights.

Why should I buy Landlord Cover?

If you’re a landlord, there’s plenty that can go wrong when you give tenants the run of your house. So it’s important to have the right protection in place.

Important Documents

Landlord cover purchased before 1 November 2018 or renewed before 20 November 2018 (PDF, 221KB)

Landlord cover purchased from 1 November 2018 or renewed after 19 November 2018 (PDF, 221KB)

Landlord Cover purchased or renewed on or after 22nd May 2019 (DOCX, 222 KB)

A minimum excess of £50 applies to most claims under the cover. No excess applies under Section 2 employers’ liability, and for Section 4 legal liability the excess only applies to claims for damage to property. The excess is the first part of a claim you must pay.