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17 Sept 2026

Urban Jungle home insurance review

Name: NFU Mutual home insurance review
Item: NFU Mutual Home Insurance
Rating: 81
Author: Dean Sobers

Urban Jungle achieved an average score in our analysis

Dean SobersSenior researcher & writer

Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.

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Dive into the detail with our expert reviews

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

Does Urban Jungle offer the best home insurance?
What does Urban Jungle home insurance cover?
‘Urban Jungle's contents cover has significant gaps’
How good is Urban Jungle at handling claims?
How can you save money on Urban Jungle home insurance?
How does Urban Jungle compare with other providers?
Urban Jungle home insurance: How can you claim?
Should you buy Urban Jungle home insurance?

Urban Jungle is a digital-first UK insurance provider and operates primarily as an online company, but you can speak to someone if you need to make a claim.

We've reviewed two home insurance policies from Urban Jungle – its combined buildings and contents cover, and contents-only cover. You can buy these directly online, and the company is also on price comparison sites.

Urban Jungle's insurance cover is underwritten by a panel of providers including Canopius, Wakam and BSpoke.

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.

Does Urban Jungle offer the best home insurance?

Urban Jungle

The best score Urban Jungle achieved was average in our assessment.

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Policies

Buildings & Contents (buildings)71%
Buildings & Contents (contents)56%
Contents Only55%

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

What does Urban Jungle home insurance cover?

We've reviewed two Urban Jungle policies. Select a policy from our table to see what it offers and what we scored it.

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Urban Jungle Buildings & Contents

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Buildings - Alternative accommodation	£40,000
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	£15,000
Contents - Alternative accommodation	£40,000
Contents - Accidental damage	Optional extra
Contents - Guests' belongings	£1,000
Contents - Theft of contents in the open	Not covered	0 out of 5
Contents - Damage to contents in the open	Not covered	0 out of 5
Contents - Theft from outbuilding	Up to sum insured
Contents - Damage to contents in an outbuilding	Not covered	0 out of 5
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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‘Urban Jungle's contents cover has significant gaps’

Dean Sobers, Which? home insurance expert, says:

Urban Jungle’s Buildings and Contents option scored 71% for buildings cover – the market average – and 56% for contents cover, making it one of the lowest-scoring policies.

There were some things we liked. It doesn’t charge extra to customers who pay in monthly instalments. And it’s one of just three policies we saw that cover storm damage to fences, gates and hedges.

If you’ve got a garden or outbuildings, it’s got some significant gaps – damage or theft of contents in the open, or damage to contents in outbuildings are not covered.

Domestic pets cover

If your dog or cat ruins your carpet, home insurance often won’t be an option.

Urban Jungle offers optional cover for damage caused by domestic pets – along with just three other providers in our analysis.

Contents cover

Urban Jungle’s alternative to its buildings and contents policy is its contents-only cover. This scored 55% in our analysis – slightly less than the combined policy's 56% for contents.

How good is Urban Jungle at handling claims?

Urban Jungle is underwritten by Canopius Managing Agents Limited and Wakam UK Limited. When it came to claims on the combined policy, the underwriters accepted 70-80% of claims – 71% is the average. Some 10-15% of claimants lodged a complaint – in line with the 12% industry average.

We don't have data on claims acceptance rates for its contents-only policies (the industry average is 71%) or how many claimants complained (the average is 7%).

How can you save money on Urban Jungle home insurance?

Urban Jungle appears on the following comparison sites:

Compare the Market
Confused.com
Go.Compare
MoneySuperMarket

Want to pay monthly? Urban Jungle only offers monthly contracts, not an annual contract paid for monthly. As a result, no APR is applied.

The above information is correct as of August 2026. For more ways to save money when buying insurance, see our guide.

Visit Urban Jungle directly to find out more about its home insurance policy.

How does Urban Jungle compare with other providers?

While we didn't have enough feedback from claimants to calculate a customer score for Urban Jungle, its combined policy scored 71% for its buildings cover and ranks joint 14th in our standard buildings cover table. This is the same 71% score as standard policies from Halifax, Lloyds Bank and Tesco Insurance.

As for contents insurance, its standard Buildings and Contents policy scored 56% and sits at the bottom of our standard contents insurance table (in 32nd), just below Esure, Privilege and Sheilas' Wheels (which all scored 60%).

Urban Jungle home insurance: How can you claim?

You can make a claim online by going through your online account. Visit the Urban Jungle website and click on sign in.

If you want to make a claim over the phone, you still need to access your policy document online – it has details of the number to ring.

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

Should you buy Urban Jungle home insurance?

Maybe. Urban Jungle’s low scores show that it’s no all-rounder - but if its streamlined approach to cover matches your specific needs, it could be worth a look if the price is right.

How we rate home insurance

Policy analysis

We analyse and rate 177 aspects of cover across insurers' policies, including their key buildings and contents features, and elements applicable to both kinds of cover (such as admin fees). We use this data to award each provider policy scores for its buildings and contents cover.

Initially, we score all of the product elements out of five, reflecting how competitive each policy is in this area compared with other insurance products. We also assess how important different policy elements are to consumers when choosing and using their home insurance, and factor this in when calculating our policy scores. More important features (such as alternative accommodation cover) will have more of an effect on the score than some other features (such as cover for the contents of your freezer).

Customer survey

We also surveyed 3,419 members of the public who had made a claim in the past two years. The survey was conducted in May-June 2026.

Our customer score reflects the general satisfaction of customers with their current insurer and their likelihood of recommending it. The claims score reflects how satisfied they were with how their most recent claim was handled and their likelihood of recommending the insurer for claims.

We review a lot of policies – and being a Best Buy recognises the individual products that stood out as being the most comprehensive in our analysis. It doesn't reflect customer service. However, we won't give a provider a Best Buy where there's evidence – from our surveys or from Financial Conduct Authority data – of poor service or a poorer-than-average record of paying claims.

Buildings Best Buy policies must have a minimum buildings policy score of 73%
Contents Best Buy policies must have a contents score of at least 70%

Additionally, we look at how consistently good the cover is in policies. To make the cut, a policy needs to have scored at least three out of five points in two thirds of the areas we've rated (find out more: how we rate policies).

Lastly, all Best Buy policies must have – or make available – the following levels of cover as a minimum:

Buildings

Flood, storm, subsidence and accidental damage cover; Cover for burst or blocked pipes; Trace and access cover (£5,000); Alternative accommodation (£50,000) with no time limit; Property owner liability (£1m); Replacement of locks or keys for external doors (£500); Home Emergency Cover (£500 and includes the central heating system).

Contents

Accidental damage cover; Theft and damage of contents in the open; Theft and damage of contents from outbuildings; Business equipment; Alternative accommodation (£15,000); Money in the home (£500); Valuables (unspecified single item limit – £2,000); Personal possessions (unspecified single item limit - £1,000); Replacement of locks or keys for external doors (£500).