We use cookies to allow us and selected partners to improve your experience and our advertising. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.

NFU Mutual home insurance review

Read Which?'s expert review of NFU Mutual's home insurance policies and find out how it compares to dozens of other home insurance companies

In this article
What does NFU Mutual home insurance cover? Does NFU Mutual offer the best home insurance? NFU Mutual’s home insurance policy: is it good or bad? How did customers rate NFU Mutual's home insurance?
Where can you buy NFU Mutual home insurance? What is NFU Mutual's claims number? Get top money-saving tips from Which?

NFU Mutual is a mutual society that dates back to 1910 when seven local farmers established the Midlands Farmers Mutual Insurance Society Ltd.

It offers a range of products including home insurance and car insurance

NFU Mutual doesn't cover all risks and postcodes - particularly those in major cities. Its home insurance is underwritten by NFU Mutual.

It offers the following levels of home insurance cover:

Policy Policy level Buildings - Maximum sum insured Contents - Maximum sum insured
NFU Mutual Home & Lifestyle Standard Unlimited Unlimited

 

Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy

What does NFU Mutual home insurance cover?

The information below gives an at-glance view of the key areas that NFU Mutual's home insurance covers as standard.

Elements marked with a are covered as standard, those marked with a are not covered as standard. Elements marked with a £ can be added to a policy as optional extras for an additional cost.

 

Key cover

 

Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen

 

Legal protection

 

Cover for legal costs resulting from claims such as property and employment disputes

 

£ Accidental damage

 

Covers accidental damage to personal belongings, fixtures and fittings

 

£ Home emergency

 

Covers callouts and temporary repairs resulting from a home emergency

 

£ Personal Possessions

 

Covers personal belongings against loss, accidental damage or theft when taken outside the home

 

£ Burst Pipes

 

Covers the cost of repairing burst pipes in the property

 

£ Boiler cover

 

Covers the failure of a boiler or central heating system

Does NFU Mutual offer the best home insurance?

Here's how NFU Mutual scored in our latest home insurance survey:

Home And Mobile Insurance
NFU Mutual review
Overall Which? score
%
Our total score score combines both the Which? Customer Score, ratings from real customers of the provider, and our expert analysis of the provider's policies. The total score is made up of 50% of the Customer Score and 25% each of Buildings and Contents policy scores.
Which? Customer Score
%
Which?'s rating for customer satisfaction, based on feedback from real customers who have recently made a claim. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Buildings policy score
%
Which?'s rating of the quality of this company's buildings insurance policy. We analysed 47 features of its cover to calculate the policy score.
Contents policy score
%
Which?'s rating of the quality of this company's contents insurance policy. We analysed 66 features of its cover to calculate the policy score.
Members can read full review. Not a member yet?
First month only £5, then £9.99 per month, cancel any time.
Become a member to see more scores
  • Unlock more money saving tips.
  • Get access to new money reviews
  • See the best mortgages available to you
£5 for first month then £9.99/month unless cancelled

To help you find the best home insurance policy, Which? goes the extra mile to sort the best from the worst.

 

How we analyse home insurance

 

We analyse and rate 47 key elements of standard buildings home insurance policies to come up with the buildings policy score and 66 key elements of standard contents home insurance policies to come up with the contents policy score. We assess how important each individual element is to consumers when choosing and using a home insurance policy, and weight it accordingly when calculating our policy scores.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact in the overall product score.

NFU Mutual’s home insurance policy: is it good or bad?

We've rated hundreds of policy details, and picked out the best and worst elements of this cover.

Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.

In detail: every part of NFU Mutual's home insurance rated

Weighting Policy element Details Rating
Most important Alternative accommodation (£) Logged out detail Logged out padlock
Most important Owner's / Occupier's liability (£) Logged out detail Logged out padlock
Most important Repairs guarantee Logged out detail Logged out padlock
Other Unoccupancy period Logged out detail Logged out padlock
Most important Trace and access  (£) Logged out detail Logged out padlock
Most important Burst pipes - included? Logged out detail Logged out padlock
Most important Blockage of sewer pipe - included? Logged out detail Logged out padlock
Secondary Gradual build-up of groundwater - included? Logged out detail Logged out padlock
Secondary Subsidence - included? Logged out detail Logged out padlock
Secondary Damage to underground services - included? Logged out detail Logged out padlock
Secondary Flood and storm damage - included? Logged out detail Logged out padlock
Secondary Flood and storm damage to outbuildings - included? Logged out detail Logged out padlock
Secondary Storm damage to fences - included? Logged out detail Logged out padlock
Other Theft of keys - included? Logged out detail Logged out padlock
Secondary Theft of keys (£) Logged out detail Logged out padlock
Other Loss of keys - included? Logged out detail Logged out padlock
Secondary Loss of keys (£) Logged out detail Logged out padlock

Table last updated in March 2021. Next update in March 2022.

To see how NFU Mutual's home insurance compares to other policies check out our guide on the best and worst home insurance.

How did customers rate NFU Mutual's home insurance?

As well as looking at how NFU Mutual's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it too.

Members can log in to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? and get full access to these results and all our reviews.

How NFU Mutual's home insurance scored for seven elements of customer satisfaction

Customer satisfaction element Which? customer rating
Application process Logged out detail
Clarity of policy Logged out detail
Dealing with queries Logged out detail
Ease of managing your policy online Logged out detail
Treatment of longstanding customers Logged out detail
Dealing with complaints Logged out detail
Value for money Logged out detail

Table last updated in March 2021. Next update in March 2022.

"-' represents where we have insufficient sample size (less than 30) to generate a star rating

Where can you buy NFU Mutual home insurance?

NFU Mutual's home insurance can only be bought over the phone.

It isn't available on price comparison websites.

What is NFU Mutual's claims number?

If you need to make a claim with NFU Mutual home insurance call 0800 197 0963.

When you call you'll be asked for details about what happened and when, as well as any action you've taken so far.

NFU Mutual will also ask what you're claiming for and the approximate cost involved.

Find out more about claiming successfully in our guide to making a home insurance claim.

Get top money-saving tips from Which?

Sign up to the Which? Money Weekly newsletter to get our latest news, tips and deals straight to your inbox. 

 

×