Nationwide Home Insurance

Our 5 Star Defaqto rated home insurance provides some of the best quality cover in the market.

Plus, you can pay monthly by Direct Debit at no extra cost (0% APR Representative).

You can also tailor your cover to suit your needs with our range of additional options.

  • 25% off for customers buying a new policy online.
  • 35% for Flexaccount* customers who buy online,by phone or visit a Nationwide branch.
  • pay in £750 or more each month (excluding internal transfers), or
  • agree to complete an Account Transfer from an account (non Nationwide) using our Account Transfer Service or have done so in the past 4 months.

Get 5 Star buildings cover as standard including:

  • Unlimited buildings sum insured With Nationwide buildings insurance you will get unlimited buildings sum insured for eligible properties.
  • Temporary accommodation If your home is damaged by an insured event and you have to move out, our home insurance buildings cover will put a roof over your head (limits apply).
  • Replacement Locks and Keys You're automatically covered for up to £1000 for the cost of replacing locks and keys to your home if your keys are lost or stolen with Nationwide home buildings insurance.
  • Trace & Access Cover for up to £5,000 to repair any damage caused to the buildings when finding or repairing the source of any water escaping from tanks, pipes or heating installations.
  • 35% off if your main* current account is with Nationwide and you take out new buildings and contents cover** together for the same property at the same time.
    This introductory discount is available if you buy online, by phone or visit a Nationwide branch.
  • 25% off if you buy online and take out new buildings and contents cover together for the same property at the same time (terms and conditions apply).
  • No extra charge to pay monthly by Direct Debit (0% APR Representative)
  • 31 days money back guarantee if you change your mind (subject to no claims being made during this period)
  • 5 Star cover - rated by Defaqto for being one of the best insurance products on the market – but don’t take our word for it, compare our cover and see for yourself!

At a glance.... Buildings insurance - what's covered

  • your home and its outbuildings against events such as theft, fire, storm, flood and subsidence
  • your fixtures such as kitchen units, bathroom fittings and fitted wardrobes
  • frost damage to water pipes and tanks
  • accidental damage to fixed glass and sanitary fittings.

Buildings insurance - what's not covered

  • storm or flood damage to gates, hedges and fences
  • the full cost of a claim if you have not maintained your property in a good state of repair
  • loss or damage caused by theft or attempted theft, vandalism or acts of malicious persons or the escape of water or oil if your home is unfurnished for more than 30 consecutive days or unoccupied for more than 60 consecutive days and you have not complied with the conditions on page 55 of the policy document.
  • damage caused by wear and tear or anything which happens gradually
  • any excess amount that applies.

 

Get 5 Star contents cover as standard including:

  • Accidental Damage for Home Entertainment Equipment Accidental Damage is included for your Home Entertainment equipment (such as TVs, DVD players and TV games) with our home contents insurance cover. Further (more comprehensive) Accidental Damage cover may be purchased.
  • Up to £1,000 cover for contents in the garden By choosing Nationwide contents insurance, you are covered for up to £1,000 for contents in the garden, in addition we cover up to £500 for loss or damage to plants, trees and bushes in the garden.
  • Replacement Locks and Keys You're automatically covered for up to £1000 for the cost of replacing locks and keys to your home if your keys are lost or stolen with Nationwide home contents insurance.
  • Student accommodation cover If your son or daughter is away at college or university, our home contents insurance also covers their contents in student digs - one less cost to worry about.
  • 35% off if your main* current account is with Nationwide and you take out new buildings and contents cover** together for the same property at the same time.
    This introductory discount is available if you buy online, by phone or visit a Nationwide branch.
  • 25% off if you buy online and take out new buildings and contents cover together for the same property at the same time (terms and conditions apply).
  • No extra charge to pay monthly by Direct Debit (0% APR Representative)
  • 31 days money back guarantee if you change your mind (subject to no claims being made during this period)
  • 5-Star cover - rated by Defaqto for being one of the best insurance products on the market – but don’t take our word for it, compare our cover and see for yourself!

At a glance.... Home contents insurance - what's covered

  • damage or loss to the contents of your home such as your furniture and carpets
  • personal belongings such as jewellery (limits apply)
  • new for old replacement of the contents of your home except clothing and linen
  • the cost of temporary accommodation if your home becomes uninhabitable due to insured damage (limits apply)
  • up to £500 cover for your fridge and freezer contents.

Home contents insurance - what's not covered?

  • damage caused by electrical or mechanical breakdown or failure
  • loss or damage caused by theft or attempted theft while your home is let, part-let or lent to anyone, unless there is evidence of forcible and violent means being used to get in or out of your home
  • loss or damage caused by theft or attempted theft, vandalism or acts of malicious persons or the escape of water or oil if your home is unoccupied for more than 60 consecutive days and you have not complied with the conditions on page 55 of your policy document
  • the loss of, or loss of access to, downloaded computer data due to an accident, erasure or computer virus.
  • damage caused by wear and tear or anything which happens gradually
  • any excess amount that applies.

Upgrade and tailor your cover

  • Home emergency
  • Accidental damage
  • Legal assistance
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