A suburban house living room, large screen TV, breakfast and flowers in a vase on the coffee table

Home Insurance

Because your home is more than just a house

There's no place like home, so give yours the protection it deserves. 

No two homes are the same, so neither is our approach to protecting them. Whether you live in a town house, a listed building or a thatched cottage, we’ve got you covered.

What is home insurance? 

Home Insurance can be purchased together, commonly known as Combined Buildings and Contents Insurance, or separately, as Buildings Insurance Only and Contents Insurance Only policies. 

Buildings Insurance covers the structure of your house while Contents Insurance covers the things that you keep inside your home.

How many home insurance products do we have?

Two.

Our Home and Lifestyle provides one of the most comprehensive policies in the market, as indicated by a Defaqto 5 Star Rating. 

NFU Mutual Bespoke Home Insurance is specially designed to cover valuable properties with more complex insurance needs, including contents, fine art and collections valued over £100,000.

Which of our home insurance products to buy and whether to purchase cover on its own or combined depends on your needs and we can help you decide which is best for you, making sure you cover the things that really matter. 

Why choose us?

  • UK call centre and 300 local offices providing a personal service
  • We pay out on 98% of claims with a no quibble approach*
  • No admin fees for changes to your policy

Combined buildings and contents insurance covers the structure of your home and the belongings inside. 

What does a combined buildings and contents policy cover? 

Buildings and contents insurance provides cover for your home and outbuildings, including both the fixtures and fittings and the items inside the house.

Combined Buildings and Contents Insurance Summary**

Cover Feature

Home and Lifestyle Insurance >

NFU Mutual Bespoke Home Insurance >

Buildings Insurance Amount you choose

A bespoke amount that you choose

Accidental damage cover included as standard

Contents Insurance Amount you choose, up to £100,000

A bespoke amount that you choose

Accidental damage cover included as standard

Alternative Accommodation £75,000 or 25% of the insured rebuild cost, whichever is more Sum insured amount 
Replacement of locks Replacement if keys are stolen, we'll pay up to £1,000 if keys are lost Replacement if keys are lost or stolen up to sum insured amount

Home Emergency Cover

Provided by ARAG Plc.

 

Optional

 

Included as standard, limit of £1,500 per claim

Access to a 24 hour emergency helpline
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Our Combined Buildings and Contents Insurance products

Our Home Insurance awards and industry ratings

               

  • Which? Recommended Provider for Home Insurance
  • Defaqto 5-Star Rated Cover for both Home Insurance and High Net Worth Home Insurance

Frequently asked questions

Are my belongings covered outside the home or when I go on holiday?

Yes, if you take out our Personal Belongings cover. This is available as an optional extra under our Home and Lifestyle Insurance policy and covers your personal belongings (including up to £1,000 for money) against theft, loss or accidental damage anywhere in the British Isles and for up to 90 days abroad each year. Any individual items worth more than £1,000 must be specified on the Home and Lifestyle Insurance policy.

Personal Belongings cover is included as standard under an NFU Mutual Bespoke Home Insurance policy (when you select contents cover) and covers your personal belongings (including up to £1,000 for money) against theft, loss or accidental damage anywhere in the world. Any individual items worth more than £20,000 must be specified on the policy.

What's Trace and Access and am I covered by NFU Mutual?

Our Home and Lifestyle Insurance will pay up to £10,000 for Trace and Access cover. This includes removing and replacing any part of the building in order to find the source of water escaping from tanks, pipes, appliances or fixed heating systems that are causing damage to the building.

Cover increases to the total insured sum amount listed on your policy scheduled for NFU Mutual Bespoke Home Insurance

What's not covered is repairing or replacing the tanks, pipes or heating systems themselves.

Is Home Emergency Cover included as standard on an NFU Mutual Home Insurance policy?

No, unless you have NFU Mutual Bespoke Home Insurance (where you will be covered up to £1,500 per claim).

Home Emergency Cover is available as an add-on to Home and Lifestyle Insurance (where you will be covered up to £1,000 per claim) when you take out a new policy and at renewal.

Home Emergency Cover offers added protection against misfortunes like burst pipes, blocked drains and boiler breakdown. 

Our policy covers seven types of domestic emergency with no excess to pay in the event of a claim and no limit to the number of claims you can make in a year.

Will alternative accommodation be provided if I can't live in my home?

Yes, both of our Home Insurance policies will provide you with alternative accommodation in the event that your house can't be lived in, for you, your family and domestic pets.

With Home and Lifestyle Insurance you'll get up to £75,000 or 25% of the insured rebuild cost of your house, whichever is more. Under NFU Mutual Bespoke Home Insurance you'll be covered for the full sum insured rebuild cost of your house. 

Are my belongings covered outside the home or when I go on holiday?

Yes, if you take out our Personal Belongings cover. This is available as an optional extra under our Home and Lifestyle Insurance policy and covers your personal belongings (including up to £1,000 for money) against theft, loss or accidental damage anywhere in the British Isles and for up to 90 days abroad each year. Any individual items worth more than £1,000 must be specified on the Home and Lifestyle Insurance policy.

Personal Belongings cover is included as standard under an NFU Mutual Bespoke Home Insurance policy (when you select contents cover) and covers your personal belongings (including up to £1,000 for money) against theft, loss or accidental damage anywhere in the world. Any individual items worth more than £20,000 must be specified on the policy.

What's Trace and Access and am I covered by NFU Mutual?

Our Home and Lifestyle Insurance will pay up to £10,000 for Trace and Access cover. This includes removing and replacing any part of the building in order to find the source of water escaping from tanks, pipes, appliances or fixed heating systems that are causing damage to the building.

Cover increases to the total insured sum amount listed on your policy scheduled for  NFU Mutual Bespoke Home Insurance.

What's not covered is repairing or replacing the tanks, pipes or heating systems themselves.

Is Home Emergency Cover included as standard on an NFU Mutual Home Insurance policy?

No, unless you have NFU Mutual Bespoke Home Insurance (where you will be covered up to £1,500 per claim).

Home Emergency Cover is available as an add-on to Home and Lifestyle Insurance (where you will be covered up to £1,000 per claim) when you take out a new policy and at renewal.

Home Emergency Cover offers added protection against misfortunes like burst pipes, blocked drains and boiler breakdown. 

Our policy covers seven types of domestic emergency with no excess to pay in the event of a claim and no limit to the number of claims you can make in a year.

Will alternative accommodation be provided if I can't live in my home?

Yes, both of our Home Insurance policies will provide you with alternative accommodation in the event that your house can't be lived in, for you, your family and domestic pets.

With Home and Lifestyle Insurance you'll get up to £75,000 or 25% of the insured rebuild cost of your house, whichever is more. Under NFU Mutual Bespoke Home Insurance you'll be covered for the full sum insured rebuild cost of your house.