AUTUMN BUDGET: There were several important announcements in the Chancellor's Budget that could affect your personal finances. Find out more.

AUTUMN BUDGET: There were several important announcements in the Chancellor's Budget that could affect your personal finances. Find out more.

Home Insurance

Cover that's more than bricks and mortar.

Our home 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

    9 out of 10 customers
    renew every year

  • Defaqto 5 Star Rated cover

    Our Home Insurance is rated 5 Star by Defaqto

    Defaqto 5 Star Rated cover

    Our Home Insurance is rated 5 Star by Defaqto

  • Defaqto Home Insurance 5-Star Rating 2008-2024 logo

Insurance overview

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

That's why our home 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​ as a result of insured damage.
  • Replacement of the locks for outside doors or safes and the cost to replace the keys to your alarm system, if your keys are lost or stolen.
  • Contents kept in your garden.
  • Theft from outbuildings.
  • Replacement of your contents new for old, if they’re damaged beyond repair.
  • Optional home emergency cover, up to £1,000 per claim*.

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.
  • Accidental damage (except fixed glass, ceramic hobs or sanitary ware which is covered under buildings insurance and home entertainment equipment which is covered under contents insurance). Accidental damage can be covered for an additional premium.

*Home emergency cover is administered by ARAG plc on behalf of NFU Mutual.

The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. Limits and exclusions apply. 

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?

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.

A choice of cover

Buildings Insurance

Cover of the cost to rebuild or repair the structure of your property and outbuildings, including roofs, floors, windows, doors and ceilings.

Contents Insurance

You may not need buildings insurance, so contents insurance provides cover for the items inside your home, garage, shed and in your garden. 

FAQs

More cover from us

Home Emergency Cover

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

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.

Personal Legal Expenses

Access to 24/7 legal advice and cover of legal costs and expenses for you and your family in the event of legal disputes.

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. 

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.

Smallholder Insurance

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

Homeworker Insurance

If you run a business from your home, our Homeworker Insurance can be added to a home contents insurance policy for greater protection.

What's next?

Take out a new policy

Ready to buy your home insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your home insurance policy.

Claims

Notify us of a new home insurance claim or speak to us about a claim that is in progress.