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Nationwide home insurance review

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

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

Nationwide home insurance is now available to non-members, although members - who hold a current account, mortgage or savings account with Nationwide - get a hefty 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?

The information below gives an at-a-glance view of the key areas that Nationwide'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.

 

Burst pipes

 

Cover to repair burst pipes is included as standard

 

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 call-outs 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:

Home And Mobile Insurance
Nationwide 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.
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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.

Nationwide's Core home insurance policy: is it good or bad?

Logged out detail

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

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.

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

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

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

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

Where can you buy Nationwide home insurance?

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 claim with Nationwide home insurance call 0800 145 6060.

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

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