Nationwide home insurance

Learn more about Nationwide home insurance

Nationwide home insurance logo

Last reviewed 09 August 2022

Why choose Nationwide home insurance?

  • A clear price
  • 24/7 emergency helpline open year round
  • Customise your cover with policy add-ons

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Who is Nationwide?

Nationwide is a mutual buildings society founded by ordinary people, their members.

Today they're a 16 million members strong nationwide building society. You're a member if you have a current account, mortgage or savings account with Nationwide.

Nationwide started life as the Co-operative Permanent Building Society in 1884. It was founded by Charles Cooper who was inspired to form a mutual society where members could pool their money to help each other buy their homes. 

From its base in London, the operation grew to incorporate around 250 other building societies, and in 1970 changed its name to Nationwide to reflect its greater reach. 

The company offers a wide range of financial services and products including current and savings accounts, investments, loans, credit cards and home, life and critical illness insurance.

Nationwide’s home insurance has been underwritten by Royal & Sun Alliance Insurance Ltd since December 2017. The insurance division operates out of Nationwide’s Swindon headquarters. 

With more than 16.3 million members worldwide, Nationwide is currently the largest building society in the world.

Nationwide home insurance policy details

Nationwide's home insurance is typical of most policy providers in that it offers customers a choice of three types of cover: buildings insurance, contents insurance, and combined buildings and contents insurance.

Not all policies and types are available through our site, so the exact levels of cover and benefits may vary. Before buying home insurance, we recommend you check the cover and benefits included.

Nationwide buildings insurance offers the following key benefits:

  • Unlimited buildings cover for your property if it's damaged or destroyed following a claimable event, such as fire or flooding.
  • Trace and access cover up to £5,000 to help locate the source of a water or oil leak from your water or heating systems and cover any repairs to the source of the leak if the damage is caused by a claimable event, such as a frozen pipe.
  • Unlimited escape of water cover if your pipes burst.
  • Alternative accommodation cover up to £50,000, ensuring you have somewhere to stay if your home is deemed unfit to live in as a result of damaged caused by a claimable event. This includes kennel fees.
  • Key and lock cover up to £750 to replace any locks and keys on external doors to your home, garage, or outbuildings.
  • Emergency services cover that'll pay for any damage caused to your home by the emergency services while entering or leaving the property following an incident. Includes cover for re-landscaping of your garden.     

Nationwide contents insurance offers you two levels of cover to choose from: a basic level for people with contents worth up to £50,000, and a comprehensive level for those who require a higher level of cover.

These policies come with the same key benefits, but they tend to differ in terms of how much the insurer will cover.

Nationwide contents cover includes:

  • Alternative accommodation required due to damage to contents rendering your home unfit to live in as a result of damage caused by a claimable event.
  • Theft from outbuildings
  • Temporary removal cover for contents you take with you when living away from home in the UK

Nationwide home insurance optional extras

There are some additional advantages that can be bolted on for an extra cost:

  • Accidental damage cover is available on both buildings and contents policies, providing cover against losses to the structure of your home or your personal belongings, depending on the policy.
  • Matching items cover ensures that if the insurer can’t replace or repair a damaged item, the whole set will be replaced. This could cover a set of kitchen worktops with buildings insurance or a set of living room furniture if one unit was damaged.
  • Legal cover up to £50,000 towards legal issues or disputes. Home Emergency Cover is also available with buildings and contents policies. This cover is designed to ensure your home is safe and secure following an incident.
  • Garden cover up to £5,000 additional protection against loss of furniture, shrubs, lawn, tools and other contents left outside in your garden.
  • Bicycle cover up to £1,000 for when you take your bike away from home for up to 90 days. . Any bikes over £1000 will need to be added onto the policy.
  • Out and about cover offers up to £15,000 cover for personal belongings taken away for up to 90 days. A single item limit up to £2,000 applies, unless the item is added onto the policy.

Contact Nationwide

Nationwide home insurance can be contacted by writing to:

Nationwide Building Society,
St Marks Court,
Chart Way,
RH12 1XL

You can also reach them via their website. Or to reach them by phone, call 0800 145 6060.

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