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

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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 Insurance provides one of the most comprehensive policies in the market, as indicated by a Defaqto 5 Star Rating. 

Find out more about Home and Lifestyle Insurance >

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 £150,000.

Find out more about NFU Mutual Bespoke Home Insurance >

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?

  • We recognise loyalty through Mutual Bonus. When awarded, we apply a discount when you renew a general insurance policy with us.
  • UK-based call centre and 300 agency offices offering a personal service.
  • We don't charge admin fees for changes to your policy or payments made by Direct Debit.

Our Home Insurance industry ratings

We're a Which? Recommended Provider for Home Insurance. 

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Our Home and Lifestyle Insurance has a Defaqto 5 Star Rating and NFU Mutual Bespoke Home Insurance is a Defaqto 5 Star rated high net worth insurance policy.

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