When it comes to protecting your home and belongings, life in the Armed Forces can make insurance feel more complicated than it should. From moving between bases to living in Service Family Accommodation (SFA) or privately renting, it’s easy to assume you’re covered properly, but that’s not always the case.
At Trinity Insurance, we’ve been protecting serving personnel and their families for 25 years, so we’ve heard every myth in the book. Here are some of the most common ones and the truth behind them.
💡 Myth 1: “My personal items are automatically covered under my partner’s military kit insurance.”
Not true.
It’s a common misunderstanding, and one that can leave families underinsured. Military kit insurance is designed to cover issued or temporary kit, but it doesn’t automatically protect partners’ personal belongings or household contents unless they are on a family policy.
We’ve seen many examples where policyholders are on an individual policy suitable only for Single Living Accommodation (SLA) and the insured, when in fact they should be on a family policy that offers cover for children and for contents of married quarters.
Service families need our military kit, contents and personal possessions insurance that includes licence to occupy insurance as standard.
If you’re a military family living in your own home or privately renting, you need Trinity’s buildings and contents insurance with built-in kit cover, so there’s no need for a separate policy and far less admin.
With Trinity’s Home Insurance, you get one straightforward policy that covers your home, contents, and military kit, protecting everyone under one roof, wherever service life takes you.
👉 One policy. One premium. Complete peace of mind.
💡 Myth 2: “If I live in Service Family Accommodation, I don’t need insurance.”
Not true.
You will be responsible for any damage to your SFA, and you’re still responsible for protecting your contents and also any possessions you want insured.
Trinity’s policies include up to £20,000 licence-to-occupy cover for SFA and Single Living Accommodation (SLA), keeping you protected at all times.
💡 Myth 3: “My standard home insurance from a high street provider will do the same job.”
Not necessarily.
Most mainstream home insurance providers don’t understand the unique nature of service life including time spent living in the mess/on the block as part of your role away from main home.
Trinity’s Insurance for Military Families is built for those realities, with cover that moves with you, flexible contents protection, and kit cover at home or abroad.
Anyone in SLA or SFA needs to ensure licence to occupy covers their time in their military accommodation.
💡 Myth 4: “I’ll sort it once we’re settled.”
Better to act now.
Delays in switching or updating your policy can leave you exposed, especially during relocation or deployment periods. Trinity makes it quick and easy to update your details, add new addresses, or adjust cover as your circumstances change.
🔒 Why Choose Trinity Insurance?
- Over 25 years supporting the Armed Forces community
- One policy for home, contents, and kit cover if in own home/privately renting
- £20,000 licence-to-occupy cover for SFA & SLA
- UK-based support team who understands service life
- Flexible protection whether you own, rent, or live on base
Ready to Get Covered?
Whether you’re newly married, living in SFA, or buying your own home, Trinity’s Home Insurance options for Military Families keeps things simple – one policy, one premium, full protection.
👉 Find out more about Trinity’s Home Insurance for Military Families living in their own homes or Click here if you are in SFA/SLA.