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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? How can you save money on NFU Mutual home insurance? What is NFU Mutual's home insurance claims number?

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

You can also purchase NFU Mutual car insurance

Unfortunately, NFU Mutual doesn't cover all risks and postcodes - particularly those in major cities. 

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?

Elements marked with a are covered as standard, those marked with a are not. 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

 

Burst pipes

 

Covers water damage caused by burst pipes in the property

 

£ 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

 

£ 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 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 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.

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 2022. Next update in March 2023.

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 login  to see our range of customer service star ratings and read about individual customers' experiences. If you're not already a member, join Which? to access this review and thousands of others.

NFU Mutual home insurance 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 2022. Next update in March 2023.

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

How can you save money on NFU Mutual 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.

NFU Mutual's home insurance can only be bought over the phone; it isn't available on price comparison websites.

Above information correct as of February 2022. For more tips see our guide to getting a cheap home insurance quote.

What is NFU Mutual's home insurance claims number?

If you need to make a home insurance claim with NFU Mutual 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.

 

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