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.
A choice of cover
FAQs
Home Insurance can be purchased as Buildings Insurance, Contents Insurance or, most commonly, both together as a combined policy.
We consider belongings to be the contents that you would normally take with you when outside of your home, e.g. laptop, mobile phone, handbag.
Whether your belongings are covered when you take them outside of your home depends on which home insurance policy of ours you have.
If not included you can choose to take out cover of your personal belongings while they are outside of your home as an add-on to your policy.
The amount of cover you receive depends on the home insurance policy that you are covered by. We can explain the levels of cover available and the limits and exclusions that apply to help ensure you have the right level cover for your contents while they are outside of your home.
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 our home 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.
Yes, with our home insurance you will be provided with alternative accommodation in the event that your house can't be lived in, for you, your family and domestic pets as a result of insured damage.
The amount of cover you receive depends upon which home insurance policy of ours you are covered by. We can explain the levels of cover available and the limits and exclusions that apply to help ensure you have the right level of alternative accommodation cover.
Yes, contents permanently kept in your garden are covered by our home insurance. This includes trees, plants, shrubs and lawns.
The total amount of cover for all of your garden contents and the amount of cover for any single item of garden contents depends on which home insurance policy of ours you are covered by. We can explain the levels of cover available and the limits and exclusions that apply to help ensure you have the right level of cover for your garden contents.