Value for money is not just about offering a competitive premium. At NFU Mutual we believe it's also about what you get for your money.

Excellent cover as standard

Our buildings and contents insurance provides some of the highest quality cover available, whether you have a country house, a listed property or a thatched cottage.

Helpful local branches

An extra benefit of insuring your home and treasured possessions via an agent with NFU Mutual, is that you'll deal with a local branch.

A customer focused claims service

The only surprise we want to spring on you when you make a claim is how good we are.

To us, that's real value for money and perhaps why our home insurance tops the table of Which? recommended providers*

*Source: Which? Home insurance survey January 2012

If you would prefer to deal with our call centre, telephone NFU Mutual for a quote on 0800 096 6522*

Lines are open between 8am - 8pm weekdays, and 9am to 12.30pm on Saturday
* For security and training purposes calls may be recorded and monitored

Get a home insurance quote from your local NFU Mutual

Use the search box below to locate your nearest and request a quote.

Home insurance cover features

Here's just some of what our home insurance cover will do:

Pay for replacing and fitting outside door locks if your keys are stolen, up to the sum insured - if the keys are lost the most we will pay is £1,000
Cover legal expenses up to £50,000 for you and your family in specified circumstances
Cover rent and accommodation costs up to 25% of the contents sum insured should your home be unfit to live in because of damage covered under the policy
Cover you against damage to personal home entertainment equipment, including audio, video and DVD equipment, and theatre and cinema systems
Cover damage to contents in your garden up to £2,500 - money or valuables, and trees, shrubs or other plants are excluded

Compare our home insurance

Find out how our home insurance compares with policies from other leading home insurers.

Our accolades - Awards / industry ratings

At NFU Mutual we stick to our belief that there really is no substitute for a quality local service and excellent cover. We have won many awards for customer service and have independent confirmation that several of our policy covers are indeed, excellent.

Which? Recommended Provider

We are delighted to become a Which? Recommended Provider for our home and car insurance in 2012.

Which? offers independent advice and analyses the whole of the UK insurance market to find out which brands offer the best insurance polices. Instead of picking 'Best Buys' based on specific scenarios, Which? experts focus on both the quality and service offered by the product and insurance company.

Defaqto 5-Star ratings

We are proud of the fact that several of our general insurance products have achieved the maximum 5-Star rating from Defaqto, a leading UK independent financial research company. When you see a Defaqto 5-Star rating, you can be sure it is one of the best quality products in the market, offering an excellent range of features and benefits, and very high levels of cover.

Auto Express 'Driver Power' survey winner

For six years running, NFU Mutual has been voted Britain's best car insurance provider by readers of Auto Express. Since the survey began, no other insurer has kept the number one spot for so long. Readers were asked to rate car insurers for communication, helpfulness, value for money and overall performance and NFU Mutual came top in all four categories.

Moneywise Customer Service Awards winner

NFU Mutual picked up six awards at this year's Customer Service Awards 2011 hosted by Moneywise, including most trusted provider for motor and home insurance.

Other awards were for best insurance provider for service and best insurance provider claims, for both motor and home insurance.

Home buildings insurance comparison

With so many policies out there to choose from, it can be difficult to understand which one is right for you. By selecting several product features as an initial guide, take a look how our buildings insurance compares with policies from some of the brand market leaders:

Provider	Product	Loss of Keys	Adjustment Fee	Alternative Accommodation²	Blockage of Sewer Pipe³	Unoccupancy Period⁴
NFU Mutual	Home and Lifestyle (std)	₁	0	25% of buildings sum insured		60
AA	Home Insurance - Buildings		25	20000		30
Aviva	Home Insurance (Sum Insured)		12.72	20% of buildings sum insured		60
Churchill	Home Insurance		15.75	25000		30
Direct Line	Home Insurance		15.75	25000	Optional with accidental damage	60

Comparison at 7th October 2011. Source: Defaqto's Aequos Database

1 - The most we will pay is £1,000

2 - The limit of cover if your home cannot be lived in because of damage covered by the insurance

3 - Subject to a maximum of £1000

4 - The maximum number of days your home can be left unoccupied before a reduction in cover applies

Key conditions and exclusions for NFU Mutual product features only.

For full terms and conditions please refer to the policy document available to download here or by request from your local branch.

Home contents insurance comparison

With so many policies out there to choose from, it can be difficult to understand which one is right for you. By selecting several product features as an initial guide, take a look how our contents insurance compares with policies from some of the brand marke

Comparison at 7th October 2011. Source: Defaqto's Aequos Database

Provider	Product	DDM Fee (%)¹	Adjustment Fee	Loss of Keys	Contents in the Open²	Loss of water³
NFU Mutual	Home and Lifestyle (std)	1.25	0	1000	2500	2500
AA	Home Insurance - Contents	13	25	250	1000	1000
Aviva	Home Insurance	8.5	12.72	500	500	1000
Churchill	Home Insurance	10	15.75	500	250	1000
Direct Line	Home Insurance	10	15.75	up to contents sum insured	1000	1000

1 - Monthly fee for paying by Direct Debit

2 - Money or valuables, and trees, shrubs or other plants are excluded

3 - The limit for the loss of metered water

Key conditions and exclusions for NFU Mutual product features only.

For full terms and conditions please refer to the policy document available to download here or by request from your local branch.