Nationwide home insurance is available to non-members, although members – who hold a current account, mortgage or savings account with Nationwide – get a 25% discount.
It's underwritten by RSA Insurance plc.
Nationwide offers the following levels of home insurance cover:
Policy | Policy level | Buildings: maximum sum insured | Contents: maximum sum insured |
---|---|---|---|
Nationwide Home Insurance (Up to £50,000 Contents) | Standard | Unlimited | £50,000 |
Nationwide Home Insurance (More Than £50,000 Contents) | Premium | Unlimited | Unlimited |
Table note: The policy scores and information in the panel and tables below are for the "Standard" level of policy |
What does Nationwide home insurance cover?
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.
✓ Burst pipes
Covers water damage caused by burst pipes in the property
✓ Key cover
Covers the cost of replacing keys and locks in the event that your house keys are lost or stolen
£ Accidental damage
This would cover accidental damage to personal belongings, fixtures and fittings
£ Home emergency
To cover callouts and temporary repairs resulting from a home emergency
£ Personal possessions
You can get cover for personal belongings against loss, accidental damage or theft when taken outside the home
£ Boiler cover
Covers the failure of a boiler or central heating system
£ Legal protection
Cover for legal costs resulting from claims such as property and employment disputes
Does Nationwide offer the best home insurance?
Here's how Nationwide scored in our latest home insurance survey:

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 46 key elements of standard buildings home insurance policies to come up with the buildings policy score and 65 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 factor this in 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. We then adjust the impact the more and less important elements have on the overall policy score.
Nationwide's core 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 a member, join Which? and get full access to these results and all our reviews.
In detail: every part of Nationwide's core home insurance rated
Table last updated in March 2022. Next update in March 2023.
Does Nationwide offer different levels of cover?
Nationwide also offers extended contents cover. Log in to find out how we rated it.
To see how Nationwide's home insurance compares to other policies, see our guide on the best and worst home insurance.
How did customers rate Nationwide's home insurance?
As well as looking at how Nationwide's home insurance policy stacks up against others, we've also analysed how customers who have recently made a claim feel about it.
Members can log in to see our range of customer service star ratings. If you're not a member, join Which? and get full access to these results and all of our reviews.
How Nationwide's home insurance scored for eight elements of customer satisfaction
Table last updated in March 2022. Next update in March 2023.
A '-' represents where we have insufficient sample size (less than 30) to generate a star rating
How can you save money on Nationwide home insurance?
The first offer an insurer makes isn’t necessarily the best they’re able to provide. So, before coughing up your cash, check what other insurers are offering for comparable cover and ask if your current insurer can better it.
Carefully consider what’s optionally included in the quote. You may want the confidence of an all-singing, all dancing policy – but certain add-ons might not be for you or could duplicate cover you already have separately.
Where you buy your cover can sometimes make a difference to what you’ll end up paying, which is why we recommend checking prices through multiple comparison sites (where available) as well as trying them direct.
You can take out a Nationwide home insurance policy online or over the phone. You'll find it on the following price comparison sites:
- Compare the Market
- Confused.com
- Go Compare
- MoneySuperMarket
Nationwide members get an ongoing 25% discount on Nationwide home insurance.
Find out how to cut your premiums in our guide to cheap home insurance.
What is Nationwide's claims number?
If you need to make a home insurance claim with Nationwide, call 0800 145 6060.
Find out more about claiming successfully in our guide to making a home insurance claim.