Nationwide home insurance review

Nationwide offers a choice of financial products, including home insurance, life insurance and travel insurance.

Its home insurance is underwritten by Aviva, and we've reviewed two of its policies – named 'Up to £50,000 contents' and 'Unlimited contents'. You can get a quote directly online, over the phone or via price comparison websites.

We've also surveyed 55 Nationwide customers who have recently made a home insurance claim.

Please note that this article is for information purposes only and doesn't constitute advice.

Does Nationwide offer the best home insurance?

Here's how Nationwide Building Society scored in our last survey.

• 67% customer score, placing it joint 12th out of the 17 providers rated.
• 78% buildings score on its standard policy 'Up to £50,000 contents', 2nd out of the 35 policies compared.
• 67% contents score, 17th out of the 35 standard providers reviewed.
• 65% claims score, or 14th out of 24 brands compared.

See how this compares with the best home insurance, or read more about how we rate home insurance.

What does Nationwide home insurance cover?

We reviewed two Nationwide policies. Select a policy from our table to see what it offers and how we rated it.

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Check Which? insurance ratings and compare deals using the service provided by Confused.com

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‘One of the highest scores for buildings cover’

Dean Sobers, Which? home insurance expert, says:

Of 76 buildings policies rated, Nationwide’s two policies shared 8th place with a score of 78%. Unfortunately, a mediocre customer score meant they couldn't be Best Buys. 

Its standard contents policy – which covers up to £50,000 worth of possessions – was a little less impressive, with a score of 67% (just below the average of 68%).

Its buildings and contents policies have comparatively low compulsory excesses: £50 for most kinds of claim (the average is around £100). Its contents policy also covers digital downloads up to £1,000.

We were less impressed with its comparatively low level of cover for business equipment, at £3,000, and its low levels of cover for stolen contents that had been left in the open, at £750. 

Domestic pets

If your dog scratches up your carpet or knocks something off a table, your typical home insurer is apt to shrug and say ‘bad luck’. However, Nationwide’s policies were among a fifth of those we examined to cover damage caused by domestic pets.

Unlimited contents

For customers with more than £50,000 of contents to cover, Nationwide’s ‘Unlimited’ policy offers higher contents cover in various areas across its policy, resulting in a contents score of 70%, just above the average of 68%.

How did customers rate Nationwide home insurance?

We asked Nationwide customers who have recently made a claim how they felt about their home insurance.

Nationwide received a customer score of 67% – joint 12th out of 17 providers rated. 

It scored 65% when we asked people to rate its claims handling, 14th out of 24 brands compared. See the list of results here.

When we asked more about the rating customers gave Nationwide, many said their policies were 'affordable', and one policyholder saying the insurer 'thoroughly explained the process involved'. However, others were less satisfied: 'It's taking a long time to get things done.'

How can you save money on Nationwide home insurance?

To check whether you're getting a good deal, both of the policies from Nationwide are available from the following price comparison websites:

• Compare The Market
• Confused.com
• GoCompare
• MoneySuperMarket

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 2025. For more ways to save money when buying insurance, see our guide.

• Visit Nationwide directly to find out more about its home insurance policy.
  

How does Nationwide compare with other providers?

With a customer score of 67%, Nationwide sat in joint 12th place with Lloyds Bank. Just above are Admiral and Churchill – both in 10th place with a customer score of 68%.

Its building cover for its standard 'Up to £50,000' policy scored 78%, the same as a standard policy from Which? Recommended Provider NFU Mutual. The only standard policy that scored higher was from Coverbaloo, with 82%.

For contents insurance, Nationwide's standard policy scored 67% – slightly less than standard policies from Royal Bank of Scotland and NatWest, with 68%.

How can I claim?

If you need to make a claim, call 0800 145 6060. For an emergency home cover claim, call 0800 145 6070.

You can get help making a claim, by visiting the Nationwide website.

• Find out more: Is it worth claiming on your home insurance?

Should you buy Nationwide home insurance?

Perhaps, if the price quoted is very low, but you could do better.

Many other insurers have higher-rated policies, particularly for contents cover, and higher scores from customers and claimants.

Find out how Nationwide rates for other products

• Nationwide travel insurance review

How we rate home insurance