Protect your house and outbuildings from damage with buildings insurance.
What's covered under buildings insurance?
Unlike contents insurance, which covers your household possessions, including money, jewellery and electrical items, buildings insurance covers items fixed to your property and your outbuildings. We cover the structure of your property, including your roof, floors, windows, doors and ceilings.
Both our Buildings Insurance policies provide a high level of cover for your house and outbuildings. This includes alternative accommodation cover, trace and access - covering the cost of removing or replacing any part of the building in order to find a water leak - and legal expenses cover, all as standard.
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.
Buildings Insurance Summary
Product Feature |
Home and Lifestyle Insurance > |
NFU Mutual Bespoke Home Insurance > |
| Repair or replacement of buildings in the event of insured damage or loss | Amount you choose |
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 | Insured rebuild cost |
| Trace and access | £10,000 | Buildings sum insured amount |
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Provided by ARAG Plc. |
Optional |
Included as standard, limit of £1,500 for each claim |
| Replacement of locks | Replacement if keys are stolen, we'll pay up to £1,000 if keys are lost | Unlimited cover if keys are lost or stolen up to buildings sum insured amount |
| Fly tipping cover |
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£50,000 |
| Legal liability | £2.5 million** | £10 million |
| Damage caused by pets |  |
£5,000 |
| Legal expenses cover | £50,000 | £100,000 |
| Cost of alternative stabling | 20% of the insured rebuild cost | Insured rebuild cost |
| Access to a 24 hour emergency helpline |
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