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NFU Mutual Bespoke Home Insurance

Tailored home insurance right down to the finest detail

NFU Mutual Bespoke Home Insurance is designed to give you peace of mind and protect the things you cherish, right down to the finest detail.

Specially designed to cover high-value homes, estates and manor houses, our Bespoke Home Insurance is tailored around you and your lifestyle.

This cover comes with a wide range of benefits included as standard, plus the flexibility to add or extend protection for high-value contents such as fine art, collections and jewellery.

With local knowledge backed by an extensive team of experienced underwriters, claims handlers and specialist suppliers, our commitment to local, personal service means you can be sure you’ve got the cover you need, with reassurance from quote to claim.

NFU Mutual Bespoke Home Insurance provides one of the highest quality offerings in the market and is rated 5 Star for High Net Worth Home Insurance by leading financial information, ratings and fintech business Defaqto. 


So, speak to your local Agent, and they’ll help you choose the right benefits for personalised cover.

  • Over 295 local offices offering personal, tailored care
  • 5 Star rated cover
  • No admin fees for changes to your policy

Specialist cover that understands high-value homes and contents

  • Accidental damage included as standard, including worldwide cover of contents.
  • Alternative accommodation cover: we'll pay the cost of alternative accommodation - up to the sum insured amount - for you, your family, and domestic pets, if your home can't be lived in due to insured damage.
  • Personal legal expenses up to £100,000 to provide you or your family living at home with advice and help with the cost of legal representation - including a 24 hour advice helpline.
  • Home emergency cover - included as standard - protecting against seven types of domestic emergency, with a limit of £1,500 per claim.*
  • Cover of valuables including jewellery up to £10,000 in total and £10,000 for each item, pair or set.
  • Personal Cyber cover providing cover up to £50,000 should you be a victim of cybercrime.

Enhance your cover to include other properties and more valuable jewellery

We can cover your additional UK properties with our Holiday Accommodation cover extension, Insurance Product Information Document [PDF: 103KB], specifically designed for people who let their homes to paying guests.

Our Fine Art and Collections extension, Insurance Product Information Document [PDF: 72KB], can cover restoration or replacement in the event of a loss up to £30,000 per single item, unless specified.

Buildings Insurance, Product Information Document [PDF: 98KB], and Contents Insurance, Product Information Document [PDF: 101KB] are also available as standalone covers as part of Home and Lifestyle Insurance.