Home Insurance

Our Home and Lifestyle Insurance provides one of the highest quality offerings on the market, as indicated by a Defaqto 5 Star Rating.

9 out of 10 customers renew every year

Our Home Insurance is rated 5 Star by Defaqto Our Home Insurance is rated 5 Star by Defaqto We're a Which? Recommended Provider for Home Insurance We're a Which? Recommended Provider for Home Insurance

Insurance overview

No two homes are the same, so neither is our approach to protecting them.

That's why our Home and Lifestyle Insurance provides cover for what matters most, as standard.

We consider it our job to help you to make sure that your house and most valuable possessions are protected.

So, whatever type of house you live in, we’ve got you covered.

What's covered:

Alternative accommodation for you, your family and domestic pets, if your home can't be lived in: up to £75,000 or 25% of the insured rebuild cost, whichever is more.
Replacement of locks of outside doors, safes and alarm systems - If keys are lost: up to £1,000. If keys are stolen: total cost up to sum insured.
3 year warranty against the quality of workmanship for building repair works to insured damage carried out by our approved contractors*.
Personal legal expenses cover 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: up to £50,000.
Trace and access - the cost of finding the source of leaking water or oil used in central heating: up to £10,000.
Accidental damage to fixed glass, ceramic hobs or sanitary ware in your home.
Unauthorised use of credit cards: up to £10,000.
Home entertainment equipment covered for accidental damage: up to one third of the total amount insured or £10,000, whichever is more.
Damage to student belongings away from the home: up to £7,500.
Theft from outbuildings: up to £5,000.
Damage to contents normally in your garden: up to £5,000.
Damage to trees, shrubs and plants: up to £2,000 in total, £250 per item.
Money in the home: up to £2,500.
Optional: Home Emergency Cover** - providing cover up to £1,000 per claim.
Optional: Personal belongings away from home.
Optional: Full accidental damage.***

What's not covered:

Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time.
*Connected services such as drainage system or sewage tank; boiler and heating systems are covered under optional Home Emergency, where a 1 year repair guarantee is provided.
Any costs of replacing, repairing or restoring your buildings and contents above the amount you’ve insured them for.
Storm or flood damage to gates or fences.
Personal belongings away from your home.
Damage caused by domestic pets.
Student belongings stolen from an unlocked room.
***Accidental damage to contents normally kept in your garden.

**Home Emergency Cover is provided by ARAG plc. Contractors appointed by ARAG must be used unless otherwise agreed.

The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important Documents section.

Calculating your contents replacement value and home rebuild cost

When you get a quote for Home Insurance we'll ask you to estimate the value of your home contents and how much it would cost to rebuild your home in the event of a claim.

Tools are available to help you make these calculations.

Why choose us?

Mutual Bonus

We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

Mutual Bonus

We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

Spread the cost

We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

Spread the cost

We won't charge you extra if you choose to pay monthly by Direct Debit - no fees or interest.

No fees

We don't charge an administration fee when you make adjustments to or if you cancel your policy.

No fees

We don't charge an administration fee when you make adjustments to or if you cancel your policy.

NFU Mutual Bespoke Home Insurance

Looking for more tailored cover?

NFU Mutual Bespoke Home Insurance is designed for high value homes with contents over £150,000 and can include those specialist pieces you may have in your collection.

Extend your cover

Home Emergency Cover

Cover in the event of a sudden and unexpected domestic emergency. Home Emergency Cover offers added protection for when the unexpected happen.

Personal Belongings Insurance

Extend your contents insurance to cover the items that you take outside of your home, with up to 90 days cover anywhere in the world.

Smallholder Insurance

Providing cover to help your smallholding grow. Smallholder Insurance can be simply added to a home contents insurance policy.

Dog and Cat Insurance

They're an important part of the family, so we offer cover to home contents insurance policyholders to help care for your dog or cat.

Travel Insurance

Protection for our home contents insurance policyholders when taking a trip, covering important things like medical expenses and loss of money.

Homeworker Insurance

If you run a business from your home, our Homeworker Insurance offers the added protection you need to help your business thrive.

Caravan Insurance

When you're exploring new places with your caravan, you want proper protection. Talk to us about cover than won't keep you tied down.

Important documents

Home and Lifestyle Insurance Reference Booklet

Home and Lifestyle Buildings and Contents Insurance Product Information Document

Personal Accident Insurance Product Information Document

FAQs

What type of Home Insurance policy can I buy?

Home Insurance can be purchased as Buildings Insurance, Contents Insurance or, most commonly, both together as a combined policy.

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

Yes, if you take out our Personal Belongings Insurance. 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 £600 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 against theft, loss or accidental damage anywhere in the world.

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). There is no excess to pay in the event of a claim and no limit to the number of claims you can make in a year. Cover does not apply for any incident within the first 7 days.

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

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.