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.
For information about an existing mutual Landlord Product please call:
Email UsWho 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.
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 Levels | Standard | Standard Plus |
Your Buildings | £500,000 | £1,000,000 |
Accidental damage | Included | Included |
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 damage | Included | Included |
Trees and shrubs | £500 | £1,500 |
Contents in the open | £50,000 | £100,000 |
Alternative accommodation | £10,000 | £20,000 |
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.
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
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.