Contents insurance
Get 5 Star contents cover as standard including:
Accidental Damage for Home Entertainment Equipment Accidental Damage is included for your Home Entertainment equipment (such as TVs, DVD players and TV games) with our home contents insurance cover. Further (more comprehensive) Accidental Damage cover may be purchased.
Up to £1,000 cover for contents in the garden By choosing Nationwide contents insurance, you are covered for up to £1,000 for contents in the garden, in addition we cover up to £500 for loss or damage to plants, trees and bushes in the garden.
Replacement Locks and Keys You're automatically covered for up to £1000 for the cost of replacing locks and keys to your home if your keys are lost or stolen with Nationwide home contents insurance.
Student accommodation cover If your son or daughter is away at college or university, our home contents insurance also covers their contents in student digs - one less cost to worry about.
Nationwide home insurance also gives you...
- 135 days worth of free cover if your main* current account is with Nationwide and you take out new buildings and contents cover** together for the same property at the same time.
This introductory discount is available if you buy online, by phone or visit a Nationwide branch.
- 90 days worth of free cover if you buy online and take out new buildings and contents cover together for the same property at the same time ().
- No extra charge to pay monthly by Direct Debit (0% APR Representative)
- 31 days money back guarantee if you change your mind (subject to no claims being made during this period)
- 5-Star cover - rated by Defaqto for being one of the best insurance products on the market – but don’t take our word for it, compare our cover and see for yourself!
Compare cover
At a glance.... Home contents insurance - what's covered
- damage or loss to the contents of your home such as your furniture and carpets
- personal belongings such as jewellery (limits apply)
- new for old replacement of the contents of your home except clothing and linen
- the cost of temporary accommodation if your home becomes uninhabitable due to insured damage (limits apply)
- up to £500 cover for your fridge and freezer contents.
Home contents insurance - what's not covered?
- damage caused by electrical or mechanical breakdown or failure
- loss or damage caused by theft or attempted theft while your home is let, part-let or lent to anyone, unless there is evidence of forcible and violent means being used to get in or out of your home
- loss or damage caused by theft or attempted theft, vandalism or acts of malicious persons or the escape of water or oil if your home is unoccupied for more than 60 consecutive days and you have not complied with the conditions on page 55 of your policy document
- the loss of, or loss of access to, downloaded computer data due to an accident, erasure or computer virus.
- damage caused by wear and tear or anything which happens gradually
- any excess amount that applies.
For more information about what's covered please read the and the .
You can choose to buy buildings insurance, contents insurance or both and add home emergency, legal assistance and accidental damage.
Nationwide buildings and contents insurance is underwritten by U K Insurance Limited
* To apply, you must hold a FlexAccount with a Visa debit card (not cash card+) and:
- Have been paying in £750 a month (excluding internal transfers) for the last three months, or;
- Complete an account transfer to us (from a non-Nationwide account) or have done so in the last four months.
** Introductory discounts do not apply to Home Emergency and Legal Assistance.