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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
We've partnered with MoneySuperMarket to help you compare a wide range of home insurance options in one place, with added insight from Which?
Get a quote with MoneySuperMarket and we'll highlight Which? Best Buys and Recommended Providers in your results.
This is a Which? exclusive, so you won't find our scores or expert analysis on other comparison sites.
We rated 177 elements of each policy, covering buildings, contents and admin points such as fees.
We asked 3,419 home insurance customers who made a claim within the past two years to score their insurer.
In this article
We've reviewed two of Nationwide's home insurance policies – named Essentials and Enhanced.
You can get a quote directly online or over the phone. These two policies also appear on insurance comparison websites.
We've also surveyed 75 Nationwide customers who have recently made a home insurance claim.
Nationwide offers a choice of financial products including life insurance and travel insurance, and its home insurance is underwritten by Aviva.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
Both of Nationwide’s policies were Best Buys for buildings cover.
79%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed two Nationwide policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | £200,000 | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £500 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Included | |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £2,000 | |
| Contents - Alternative accommodation | £50,000 | |
| Contents - Accidental damage | Optional extra | |
| Contents - Guests' belongings | Not covered | 0 out of 5 |
| Contents - Theft of contents in the open | £5,000 | |
| Contents - Damage to contents in the open | £5,000 | |
| Contents - Theft from outbuilding | £5,000 | |
| Contents - Damage to contents in an outbuilding | Up to sum insured | |
| Contents - Personal possessions cover single item limit | £2,000 |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
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Dean Sobers, Which? home insurance expert, says:
With a buildings score of 74%, Nationwide’s Enhanced policy was a Best Buy for buildings cover. It wasn’t quite there for contents cover, though, scoring 69% – just below the 70% required for Best Buy status. We also had some concerns about the rate at which its underwriter accepted claims on contents-only policies.
We liked that its flood cover extends to flooding caused by groundwater, which isn’t always the case. It also offers £10,000 for home office contents.
We weren't such fans of its high £500 excess for escape of water (for example, burst or leaking pipes) claims. It also doesn’t include digital downloads in its contents cover, which many other providers do.
Nationwide does not charge fees and doesn't impose an APR for paying monthly. This is good news as more than half of providers we surveyed charge interest, and nearly 40% will charge if you need to make a change to your policy – some up to £25.
Nationwide’s lower-tier Essentials cover was also a buildings Best Buy, with just a slightly lower score of 73%. Its contents cover earned 65%.
Where the Enhanced contents policy has an unlimited sum insured, the Essentials contents policy has a maximum of £50,000, and it has less generous cover for alternative accommodation (£25,000 vs Enhanced’s £50,000) and business equipment (£5,000 vs £10,000).
It also doesn't cover students' belongings or matching sets (undamaged items in a suite or set if one part is damaged beyond repair and a match cannot be found) and has lower levels of cover for contents in the open and in outbuildings.
We asked Nationwide customers who have recently made a claim how they felt about their home insurance.
Nationwide received a customer score of 79% – joint 7th out of 21 providers rated.
It scored 81% when we asked people to rate its claims handling, sitting in joint 3rd place out of 22 brands. See the full list of results here.
When we asked customers to tell us more about the rating customers gave Nationwide, one happy policyholder told us: 'Incredible customer service, very fair claims process and highly communicative.'
Another customer said Nationwide was 'easy to get hold of and speak to. They sorted my claim easily and quickly without trouble.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers | n/a |
Table last updated in September 2026. Next update in September 2027.
'n/a' represents where we have insufficient sample size (less than 40) to generate a star rating.
Nationwide sample size: customer score, 75; claims score, 84
You can get a quote for a Nationwide home policy online or over the phone. The policies also appear on insurance comparison websites.
Want to pay monthly? Good news – Nationwide doesn't charge interest for paying monthly rather than annually.
The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.
With a customer score of 79%, Nationwide sits in joint 7th place overall in our satisfaction table, alongside 1st Central, HSBC and Lloyds Bank.
Its standard Enhanced policy scored 74% for buildings cover – the same as standard policies from Bank of Scotland, Lloyds Bank and others – and ranks joint 4th in our standard buildings cover table.
As for contents insurance, its standard Enhanced policy scored 69% and sits in 11th place among standard policies. This ties it with John Lewis Money's standard contents cover.
If you need to make a claim, call 0345 268 2260. For an emergency home cover claim, call 0345 268 2144.
You can get help making a claim by visiting the Nationwide website.
Find out more: Is it worth claiming on your home insurance?
Yes – for buildings cover. If the price suits you, the buildings half of both Nationwide’s policies are well worth considering.
Find the right policy for your home using the service provided by MoneySuperMarket
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