NFU Mutual home insurance review
If you need tailored home insurance for your valuables, NFU Mutual may be right for you.
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NFU Mutual offers two levels of home insurance cover, with policies designed for those with high-value property or rare items such as fine art or antiques. It also has a 5-star rating from Defaqto for both its Home and Lifestyle policies and its High Net Worth home insurance policy.
See how it works and compare your options now.
NFU Mutual is the trading name of the National Farmers Union Mutual Insurance Society Limited. It was founded in 1910 and now underwrites more than £1.5 billion in annual premiums for rural UK communities.
What company underwrites the home insurance from NFU Mutual?
NFU Mutual insurance is underwritten by the National Farmers Union Mutual Insurance Society Limited.
NFU Mutual offers buildings insurance and contents insurance, as well as two types of policies for combined buildings and contents insurance. These are:
NFU Mutual offers the following level of cover on its buildings and contents insurance policies:
Cover benefits | NFU Mutual Home and Lifestyle | NFU Mutual Bespoke |
---|---|---|
Buildings insurance | ||
Buildings cover | Unlimited | Unlimited |
Alternative accommodation | £75,000, or 25% of insured rebuild cost (whichever is higher) | Sum insured amount |
Home emergency | Optional | Up to £1,500 per claim (included) |
Accidental damage cover | X | ✓ |
Trace and access of water and oil | Up to £10,000 | Unlimited |
Personal liability | Up to £2.5 million | Up to £10 million |
Disability renovation | X | Up to £50,000 |
Damage caused by pets | X | £5,000 |
Contents cover | ||
Contents | Up to £100,000 | Unlimited |
Fly tipping cover | X | Up to £50,000 |
Cash in home | Up to £2,500 | Up to £10,000 |
Key and lock cover | ✓ | ✓ |
Garden cover | Up to £5,000 | Up to £50,000 |
Depending on your policy, you can also add the following cover:
When you make an insurance claim, before you are paid out you will first need to pay an agreed amount yourself, known as the excess. Insurers will not pay out on a claim that is less than the total of the excess.
With NFU Mutual home insurance, you can choose to pay a voluntary excess on top of your normal excess. This has the benefit of reducing the cost of your ongoing insurance premiums, but it means that you will have to pay the higher excess amount any time you make a claim.
You can find more information about your excess in your insurance policy document.
The cost of home insurance varies depending on a number of factors, including:
If you need to make a claim, you can phone your local NFU Mutual branch during regular office hours, or you can call the 24-hour emergency helpline. You will need to provide NFU Mutual with:
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