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Nationwide home insurance

Nationwide home insurance

Nationwide are one of the biggest building societies in the world. Aviva provides home insurance on behalf of Nationwide, so you know you're in safe hands with well-known brands.

You can find out more about Nationwide and their house insurance below, or if you're ready to start comparing quotes, just click the 'get a quote' button below.

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Why choose Nationwide Home Insurance?

2 tiers of home insurance cover to choose from: Ehanced or Essentials
24/7 emergency helpline open year round
5-star Defaqtp rating for their Enhanced home insurance policy

Who is Nationwide?

With over 16 million members, Nationwide is comfortably one of the largest cooperative financial institutions globally. It's owned by its members, rather than shareholders, and has in turn rewarded active members for performance and growth.

When it comes to home insurance, Nationwide has partnered with Aviva, having previously used RSA (Royal and Sun Alliance) and Direct Line.

There are no hidden fees if you decide to buy a home insurance policy through Nationwide. You'll also have the benefit of paying no interest payments if you opt to spread the cost of your cover.

What does Nationwide buildings insurance cover?

Nationwide buildings insurance can help cover the cost of repairing or rebuilding if your home is damaged by fire, storms or floods. Exactly what amount of cover you'll have will depend on whether you choose an Essentials or Enhanced policy.

Here are some of the key features of a Nationwide buildings insurance policy:

Buildings cover: This is the total cover amount available for repairing or rebuilding your home. An Essentials policy offers up to £1,000,000 of cover, whereas the Enhanced policy offers unlimited cover.

Loss of rent or alternative accommodation cover: If your home is damaged and uninhabitable, you'll have up to £100,000 of cover to live somewhere temporarily. An Enhanced policy offers £200,000 of cover.

Tracing a hidden domestic water or oil leak: Essentials gives you £2,500 of cover, the Enhanced policy is £5,000.

Loss or theft of keys: This refers to the cost of replacing the locks on the external doors of your home and any outbuildings. You'll have £1,000 of cover regardless of the policy you choose.

Public liability: If you're liable (as homeowner) for injury to a third-party or property damage. Both policies offer £5,000,000 of cover.

Matching items: If a matching replacement for damaged tiles, fitted furniture, or bathroom fittings can't be found. You'll also have cover to replace undamaged fittings too. This type of cover is only available with an Enhanced policy.

What does Nationwide contents insurance cover?

Contents insurance protects your moveable belongings inside your home. This could look like furniture, cover for electronic devices, clothes, jewellery and more. An Essentials policy can offer a cover amount up to £50,000, whereas the Enhanced policy gives you an unlimited amount.

Here are the other key elements of a Nationwide contents insurance policy:

Total valuables in your home: This is the cover amount available to cover jewellery, watches and other valuables. Essentials can offer up to £15,000, Enhanced is £30,000.

Theft from outbuildings: If items are stolen from locked outbuildings, you'll have £1,500 with Essentials and £5,000 with Enhanced.

Family and student cover: Offers contents protection for students, family or dependants if studying or staying in a hospital anywhere within the British Isles. This type of cover is only included in the Enhanced policy.

Household removals: If damage to your contents is caused by a professional removal company when you move. An Essentials policy can give you £50,000 of cover, whereas an Enhanced policy can offer you unlimited cover.

Freezer food: Protection against the cost of replacing food due to the temperature of your freezer changing accidentally. Both policies offer £1,000 of cover.

Money in your home: If any money is lost or damaged in your home, both policies include £1,000 of cover.

If you're having any difficulty determining the value of your contents, try using our contents calculator for a helping hand!

Nationwide house insurance optional extras

When you buy a home insurance policy through Nationwide, you can choose to enhance your cover with optional extras. Selecting any can extend your level of cover but will increase what you pay for your policy.

Here are your options:

Home emergency cover: You'll have up to £1,000 of protection against home emergency claims like burst pipes or a boiler breakdown.

Legal services cover: Can provide up to £100,000 for legal expenses if you're involved in a legal claim. This could be personal injury or employer or property disputes, for example.

Accidental damage cover: This type of cover can come to your rescue for unexpected, unintentional accidents such as a smashed window. You'll be covered up to the amount shown on your policy.

Personal possessions cover: Offers cover against accidental loss or damage for your possessions when you leave home. You can select a cover amount from £2,000 to £20,000.

Bicycle cover: Will protect your bike around the world against theft, loss and damage. The cover limit is £1,000 but you can get insurance if you use specified locks to secure your bike.

Contact Nationwide about home insurance

Online

Nationwide manages a 24/7 online messaging service to answer general FAQs. But if you require further help through an agent, the availability is 9am to 5pm, Monday to Friday.

If your home insurance is provided by RSA, the easiest way to manage your Nationwide home insurance policy is via a dedicated online portal. You can use the portal to make a claim, view your policy and update your home or postal address.

There is a different portal to access if your policy is provided by Aviva. Using this portal will enable you to renew your policy, make a claim, update your policy or change your home address.