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Nationwide home insurance review
Nationwide offers good buildings cover, but got less impressive customer scores
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Get a quoteIn this article
- Does Nationwide offer the best home insurance?
- What does Nationwide home insurance cover?
- ‘£10,000 home office cover’
- ‘No fees’
- How did customers rate Nationwide home insurance?
- How can you save money on Nationwide home insurance?
- How does Nationwide compare with other providers?
- How can I claim?
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 'Essentials' and 'Enhanced'. You can get a quote directly online or over the phone.
We've also surveyed 55 Nationwide customers who have recently made a home insurance claim.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
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.
- 74% buildings score on its standard policy 'Essentials', 6th out of the 35 policies compared.
- 65% contents score, 23rd 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.
Nationwide Enhanced
| Buildings - Alternative accommodation | £200,000 | |
| Buildings - Burst pipes | As standard | |
| Buildings - Escape of water excess | £500 | |
| Home emergency cover limit | £1,000 | |
| Home emergency - Central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £2,000 | |
| Contents - Alternative accommodation | £50,000 | |
| Contents - Accidental damage | Optional extra only | |
| 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 contents sum insured | |
| Contents - Personal possessions cover single item limit | £2,000 |
Table last updated in January 2026. Next update in September 2026. We recommend checking policies before buying. See more on our scores below.
‘£10,000 home office cover’
Dean Sobers, Which? home insurance expert, says:
Of 76 buildings policies rated, Nationwide’s Enhanced policy scored 75%, compared to an average of 71%. Unfortunately, a mediocre customer score meant it couldn't be a Best Buy. The Enhanced contents policy was a little less impressive with a score of 71%, compared to an average of 68%. However, it does offer £10,000 for home office contents as well as a generous £50,000 of cover if your home become uninhabitable due to damage to your contents.
Where Nationwide's 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) and business equipment (£5,000). 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. However, like the Enhanced policy, it offers £1,000 of cover for lost or stolen keys and £1,000 to replace cash in the home that has been lost or damaged.
‘No fees’
Nationwide does not charge fees and it doesn't impose an APR for paying monthly. This is good news, as more than half of providers we surveyed charge an APR with a third charging more than 25%, and if you need to make a change to your policy, more than 40% will charge you for doing so - some up to £30.
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.'
Customer satisfaction
| How comprehensive the policy cover is | |
| How affordable the policies are | |
| How thorough the application process is | - |
| Clarity of Policy | |
| Dealing with queries | |
| Fair treatment of long-standing customers | - |
| Dealing with complaints | |
| Value for money |
Table last updated in September 2025. Next update in September 2026.
A dash '-' represents where we have insufficient sample size (less than 30) to generate a star rating.
Nationwide sample size: customer score, 55; claims score, 73
How can you save money on Nationwide home insurance?
Nationwide's home insurance policies are only available direct. You can get a quote online or over the phone.
Want to pay monthly? Good news – Nationwide doesn't charge interest for paying monthly rather than annually.
The above information is correct as of January 26. 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 'Essentials' policy scored 74%, the same as a standard policies from Lloyds, Bank of Scotland, Halifax and Aviva.
For contents insurance, Nationwide's standard policy scored 65%, the same as the standard policy from Churchill.
How can I claim?
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?
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
How we rate home insurance
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