Whether it’s the house you own or its contents, making sure you are aware of the true value will mean that you can rest assured that you are insured for the right amount.
When reviewing your individual circumstances, NFU Mutual’s advisers may suggest a valuation to give you peace of mind that you are adequately insured.
At NFU Mutual, we offer access to a hand-picked panel of experienced and expert companies who can, for a fee, provide valuations for both buildings and contents.
Your NFU Mutual adviser can arrange for experts from the valuation companies on the panel to assess and evaluate the value of your possessions and the rebuild cost of your property. At the end of the visit, you will be provided with a report which you can share with your adviser to ensure you are appropriately insured.
NFU Mutual offers access to experts across three services.
With expensive specialist crafts methods and unusual construction and original materials, it can be difficult to accurately estimate the rebuild cost of a property and it is essential that professional advice is sought in these cases. Our service, delivered through our recommended partners can provide the advice you need.
If you want reassurance that your overall contents value is accurate, our advisers can arrange a contents appraisal through one of the trusted suppliers on NFU Mutual’s panel.
This service is ideal if you have a number of high value items such as fine art that need to be individually researched and then valued. This may be of particular interest for inherited items where values are unknown.
We have two recommended providers of buildings valuations:
Following a the visit from your valuer, you will receive a full valuation report which includes an overview of the property and the recommended value of the property for insurance purposes. You’ll also receive a valuation certificate.
For non-listed buildings, following your survey, if you adjust the insured rebuild cost on your NFU Mutual Bespoke Insurance to the figure recommended, you benefit from the relevant settlement guarantee if you need to claim.
If you want reassurance that your overall contents value is accurate, our advisers can arrange a contents appraisal through one of the trusted suppliers on NFU Mutual’s panel. You are also able to specify a number of items for a more detailed appraisal.
Quastel Associates provide this service.
For those that would like a number of items valued, your selected valuer will carry out a thorough evaluation of the items you have specified. You are then provided with an itemised and detailed inventory which includes descriptions, values and digital photographs. We work with a number of valuers to provide this service including:
Once you have received your valuation, you may wish to talk further with your NFU Mutual adviser who can guide you on the appropriate insurance cover for your needs.
With NFU Mutual Bespoke Insurance, providing you’ve had an independent home valuation in the last three years and insure for the recommended value, we’ll pay out up to 125% of the replacement costs.