NFU Mutual Home Insurance Review and Quotes
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Discover the methodologyWould you like to protect your home against any damage or an unfortunate event such as a house fire or theft?
Are you wondering if NFU Mutual is the best home insurance company to protect your house?
You’ve come to the right place.
This ultimate and up-to-date review on NFU Mutual home insurance gathers all you need to know: consumers reviews, cover details, prices, claim process, contact numbers and much more. Let’s dive right into it.
Is NFU Mutual the best insurance company for you?
Getting the best home insurance deal is not just about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good pay-out if your home is damaged as a result of an unfortunate event such as theft, fire or natural disaster.
At Safe, we’ve studied in detail NFU Mutual's home policy terms and conditions and given our own ratings based on different criteria for combined building and contents insurance policy.
4,5 Safe overall rating for NFU Mutual
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction and claims |
Home and Lifestyle insurance rated 5 stars by Defaqto | |
| Cover provided for your home |
No maximum sum insured limit for both building and contents insurance | |
| Value for money |
No admin fees | |
| Financial strength | Home insurance underwritten by NFU Mutual | |
| Technology |
Minimalistic and very clear website organized with buttons |
Expert and customer satisfaction reviews for NFU Mutual home insurance
| Review organisation | NFU Mutual home insurance reviews |
|---|---|
Defaqto expert |  |
| Smartmoneypeople | 4,6/5 based on 30 customers reviews |
| Overall Which? Score | 83% |
Our general opinion on NFU Mutual home insurance
NFU Mutual was founded in 1910.
According to Which, the company ranks at the top regarding home insurance policy, also rated 5 stars by Defaqto. According to the expert, NFU Mutual provides one of the most comprehensive home insurance plan of the market according to the expert.
Indeed, the standard level of building insurance allows you to insure your home without any maximum sum limit. The alternative accommodation cover provided is up to 25% of sum insured. The owner's liability limit is up to £2,5M and the company gives compensation up to £10 000 for trace and access.
The contents insurance provides up to £10 000 for items temporarily removed, and up to £7500 for single item cover.
You can also have access to Bespoke home insurance. The Bespoke home insurance from NFU Mutual is specifically designed for people with higher insurance needs with valuables property to insure or contents insurance including art collections etc.
What does NFU Mutual home insurance cover?
What is more important than protecting your home – the roof under which you sleep with your loved ones?
Applying for home insurance at NFU Mutual will allow you to protect the structure of your home (buildings insurance), what is inside (contents insurance) or both (combined buildings and contents insurance).
Without home insurance, your home is exposed to any kind of risk, from a minor water leak to a fire, and you are liable for any repairs – whatever the cost this represents.
Home insurance at NFU Mutual covers you for any damage made as a result of an unfortunate event such as theft, fire and natural disaster causing leaks, flooding, etc.
NFU Mutual buildings and contents insurance
NFU Mutual provides three main types of household insurance:
- Buildings insurance
- Contents and personal possessions insurance
- Combined policy
Buildings insurance covers the structural aspects of your home. It will cover any damage made to your walls, floors, ceiling, windows, outbuildings, garages, etc. You can also extend your buildings insurance to permanent fixtures such as bathrooms, etc. Buildings insurance is for homeowners.
Good to know
If you buy your property and get a mortgage for this, you will be asked to provide valid buildings insurance. Buildings insurance is not mandatory, though. However, you must know that an average claim for repairing a burst pipe for example is £25 000.
Contents insurance will cover any damage made to your belongings inside your home or in your garden (TV and other appliances, furniture, etc). In other words, it will cover anything which is not structural.
Good to know
House contents insurance is highly recommended (especially in case you get burgled or if you are renting a furnished flat) but is not mandatory.
In the event of a fire, for instance, buildings insurance will give you compensation for your home structure, your walls, roofing or other structural elements damaged during the fire, and contents insurance will cover any damage made to your household appliances, furniture, jewellery and so on.
You will find below policy details for building and contents insurance:
| NFU Mutual building insurance | Limits |
|---|---|
| Maximum sum insured | Unlimited |
| Owner liability | £2 500 000 |
| Alternative emergency accomodation | 25% of sum insured |
| Period of home's unoccupancy cover | 60 days |
| Repairs guarantee period | 1 year |
| Trace and access | £10 000 |
| Burst pipe | As standard |
| Blockage of sewer pipe | As standard |
| Gradual build-up of groundwater | Not covered |
| Subsidence | As standard |
| Underground services | As standard |
| Keys cover | £1 000 |
| Flood and storm damage (except for fences) | As standard |
Good to know
Limits mentioned above are part of the total sum you insured with your insurer when applying for home insurance (and not in addition to).
Let’s have a look now at Esure contents insurance limits:
| Contents insurance | Limits |
|---|---|
| Maximum sum insured | Unlimited |
| Owner liability | £2 500 000 |
| Alternative emergency accomodation | 25% of sum insured |
| Period of home's unoccupancy cover | 60 days |
| Damage made by pets | Available as extra |
| Contents kept in garden | £5 000 |
| Contents kept in outbuildings (garage included) | £5 000 |
| Thefts from outbuildings | £5 000 |
| Single item limit for valuables | £7 500 |
| Items temporarily removed from home | Not covered |
| Money in and outside the home | Inside: £2 500 Outside: £1 000 (under personal possessions cover - optional extra) |
| Credit cards in and outside the home | Inside: £10 000 Outside: £10 000 (under personal possessions cover - optional extra) |
| Business equipment kept at home | £5 000 |
| Student equipment | £7 500 |
| Keys cover | £1 000 |
NFU Mutual home insurance additional cover
On top of your NFU Mutual buildings and contents insurance, you can find additional cover such as:
| Home insurance additional cover | |
|---|---|
| Accidental damage cover | Optional extra |
| Home emergency |
|
| Boiler cover |
|
| Legal protection |
|
| Personal possessions |
|
| Mobile cover |
|
| Bicycle cover |
|
NFU Mutual home insurance excess
The deductible you'll have to pay in case of claims are as described below:
| For both building and contents insurance | |
|---|---|
| Excess for standard claims | £50 for buildings insurance / £25 for contents insurance |
| Excess for escape water claims | £250 for buildings insurance / £0 for contents insurance |
| Excess for subsidence claims | £1 000 |
| Excess for personal possessions | £25 |
| Excess for keys | £50 |
NFU Mutual home insurance fees and NCD
To manage your policy, renew, cancel or modify it, NFU Mutual fees are as follows:
| Fees applied to manage your NFU Mutualhouse policy | |
|---|---|
| Interests on payment installments | 0,00% |
| To renew my policy | £0 |
| To adjust my policy | £0 |
| To duplicate documents | £0 |
| To cancel my policy during cooling-off period | £0 |
| To cancel my policy outside cooling-off period | £0 |
| For payment default | £0 |
| To switch from one insurer to NFU Mutual | Not covered |
How much does NFU Mutual home insurance cost?
You will below indicative quotes for building and contents insurance at NFU Mutual:
| Building insurance | Contents insurance | |
|---|---|---|
| Excess | £50 for buildings insurance / £25 for contents insurance | £50 for buildings insurance / £25 for contents insurance |
| Home cover | Building: £250 000 Contents: £20 000 Personal items: £4 000 | Building: £500 000 Contents: £50 000 Personal items: £8 000 |
| Premium | £172,25 | £337,98 |
It is very difficult to give a precise range of how much exactly will your home insurance cost at NFU Mutual as it will mainly depend on:
- The insurance you apply for (building, contents, combined insurance, extras)
- Your address
- Your claim record
- The insured value of your home and of your personal belongings, etc.
NFU Mutual will establish a risk rate, taking into account all these elements, and offer you a price based on it.
The average cost of combined buildings and contents insurance in 2018 was £163, with contents insurance usually counting for a third of the premium (around £60) and building insurance for the rest (around £110). However, premium will be higher if you buy stand-alone building or contents insurance.
Do you want to compare the cheapest home insurance quotes? It couldn’t be easier. Just do a quick home insurance comparison using our comparison tool below. It takes only 15 seconds and is completely neutral and 100% anonymous.
NFU Mutual home insurance discounts available
Discount is given for buying combined policy.
How do I a claim on NFU Mutual home insurance?
At NFU Mutual, you can report a home insurance claim either by phone or filling in the claim form available online.
You will be asked to provide your insurance policy number as well as details on claim circumstances such as date and time, pictures or other person involved.
| How to claim on NFU Mutual home insurance? | |
|---|---|
| Claim online | |
| Claim by phone | 0800 197 0963 |
Good to know
If you claim is related to a criminal incident (theft, fire etc), you must call the police upfront.
How can I cancel NFU Mutual house insurance?
To cancel your NFU Mutual house insurance, here is what you need to know:
| Cancelling your home insurance at NFU Mutual | |
|---|---|
| Cancellation notice if NFU Mutual cancel your policy | 14 days |
| Cancellation fees | Fees during cooling-off period: £0 Fees outside cooling-off period: £0 |
| Cancel by mail | NFU Mutual |
| Cancel online | You can also cancel your home insurance policy through the general enquiry form online. |
| Cancel by phone | 0808 301 7713 |
How to contact NFU Mutual home insurance?
| Services | Phone numbers | Opening hours |
|---|---|---|
| Claims | 0800 197 0963 | Mon - Fri: 9am – 5pm |
| Legal Expenses | 0117 934 0573 | Mon - Fri: 9am – 5pm |
| Existing customers | 0808 301 7713 | Monday-Friday: 8am-8pm |
| Emergency helpline | 0800 282 652 | 24/7 |
| Home emergency and lifestyle (available if extra premium has been paid) | 0330 303 1468 | 24/7 |
NFU Mutual home insurance contact details
| NFU Mutual contact details | |
|---|---|
| NFU Mutual address | NFU Mutual |
| Customer service email | Not available |
| Chatbot available | Not available |
How do I log in to NFU Mutual customer portal?
There is no customer portal available. But you can have access to your policy documents, make a change, ask for renewal by filling in the form online.
How do I get NFU Mutual home insurance quotes?
To get a quote online at NFU Mutual, it couldn’t be simpler.
You can go on our home insurance comparison tool here and compare the main home insurance deals on the market. If NFU Mutual is the company that best suits your needs, then you just click on the ‘Get quote’ button and follow the whole process explained online.
To get NFU Mutual home insurance quotes, you will need to provide:
- Your personal information: ID, age, phone number and job
- Your address and postcode
- Your homeowner record (claims included)
- Your home description (type of property, the date it was built, how many square metres inside and outside)
- Your property related status: do you own it, rent it, have a mortgage on it, etc.
- Extras you’d like to get on your home insurance, contents sum insured and the excess you’d like to pay.
The types of questions you will be asked are typically:
- Are you a first-time buyer?
- Has the property ever suffered from subsidence, cracking, subsidence or undergone any underpinning (or showed any signs)?
- Has the property ever been damaged by flood?
- Has anyone living permanently at the property made any home claim(s) for loss or damage in the past X years (usually 3) or had any claim(s) made against them? etc.
5 tips to reduce your NFU Mutual house insurance quote
- Always shop around on home insurance comparison sites. If you do not auto renew and instead apply for new home insurance, you will easily be able to lower your house insurance cost and benefit from new customer discounts.
- Increase the excess amount you are willing to pay in case you make a claim.
- Choose the level of cover that is right for you. Insure with the right sum for both your buildings and contents insurance. If you do not have high value items, consider an ‘indemnity’ contents insurance rather than a ‘new for old’ one.
- Opt for a policy offering No Claim Bonus to lower your premium if you've gone for a few years without making any claim.
- Consider index-linked cover for building insurance to follow prices of building materials.
