Foster Home Insurance

Home insurance specifically designed for foster families.

  • Up to £5 million in liability, theft and contents cover as standard.
  • Foster home insurance discounts to members of The Fostering Network.
  • UK-based support

Call us on 0345 266 1252 or request a callback.

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Why choose foster home insurance with Towergate?


Foster home liability cover

Up to £5 million in liability cover included as standard.

Accidental Damage

Damages by foster children

Intentional damage, theft, and attempted theft by foster children covered as standard.


Foster home insurance discounts

10% discount for new customers who are members of The Fostering Network.

Direct Debit

Pay by Direct Debit

Choose to spread your payment into 10 monthly Direct Debit instalments.

About foster home insurance


More than a family member

Whilst some insurers consider foster placements as family members, we know that this may be a restriction on your policy. We provide extra cover for theft or attempted theft, intentional damage, and vandalism, caused by a foster child in your care, which would not be covered on a home insurance policy if caused by a family member. We provide cover regardless of a foster child’s background or whether they have a criminal record. Our foster home insurance also covers foster children in your care, without the need to let us know when placements change.

Accidental Damage

Covering contents

Contents cover may be a standard feature on many home insurance policies, but it may not cover your foster children's possessions. Our foster home insurance policy covers your foster children’s possessions, along with items such as mobile phones and laptops, under general contents. We also include £5,000 personal items cover away from home as standard. Our cover can also extend to pedal cycles, up to the limit within general contents. Higher-value cycles can be added as an additional extra, along with more valuable items such as jewellery and watches.


Specialist foster home insurance advisers

We have a team of experienced advisers on hand Monday to Saturday who are trained to assist with any queries relating to your foster carer cover. We understand how busy foster carers can be, so you can contact us by phone, email, or post - whichever suits you best.


No need to tell us when you have new foster placements

With our foster home insurance policy, you don’t need to let us know when new foster children come into your care. As long as you do not exceed the maximum number of children permitted in your care, our policy lets you take on foster placements at any time, without letting us know you have accepted them. If any of the foster children in your care, intentionally damage your property, or commit theft or attempted theft, you can report a claim, without the need for a crime reference number (T&Cs*).

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0330 123 5921 and explain exactly what happened
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Foster Home insurance FAQs

Having worked with a number of individual foster carers and associations, we have devised a foster insurance policy specifically for you, offering cover for the bespoke needs and requirements that you have. We understand the challenges faced by foster carers and provide a flexible solution for the protection you need.

We can provide you with a quote on the phone, at a time convenient for you. You can contact us on 0330 123 5304, Mon - Fri between 9am and 7pm, Sat 9am - 1pm. Alternatively, you can fill in your details by clicking the 'make an enquiry' button at the top of this page, and we will get back to you.

Yes. Our foster carer insurance policy covers you against any malicious damage, vandalism, theft, or attempted theft of any foster child in your care.

As lovely as this sounds, we don’t treat foster children as family members - and here’s why: theft or attempted theft, intentional damage and vandalism by a family member would not be covered on a home policy, whereas we treat foster children separately, and provide this extra cover for foster children.

No. We don't require you to tell us when you accept a new placement, regardless of the child's background or situation. Our foster home insurance extends to a maximum of four children in your care at one time.

For your buildings, you need to take into consideration not only the cost of rebuilding the main property, but also any outbuildings, swimming pools, boundary walls, etc. The value should include solicitors' and surveyors' fees and demolition costs. With your contents, you need to consider all household goods and personal property, and how much you would have to pay to replace them as new.

We can usually provide immediate foster home insurance cover, once you have received and agreed to your quote. We will always try to cater to your circumstances, so just let us know what your requirements are.

Please call us or notify us in writing with the reason for cancellation and state the date from which you need cover to cease. Remember, if your policy is in more than one name, all policyholders will need to sign the letter. If you have any other queries, please don't hesitate to contact the customer services team on 01603 522 050.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.

If you would prefer to spread the cost of your policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.


* Terms and conditions regarding needing a crime reference number
The standard course of action will be not to request a crime reference. However, we reserve the right to ask for the incident to be reported to the police, where suspicious circumstances, fraudulent activity or the circumstances of the incident warrant a police notification.

Read more FAQs

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