Home insurance

  • Nationwide home insurance is just for members. You’re a member when you have a current account, mortgage or savings account with us. Find out more about membership
  • 20% introductory discount when you buy new combined buildings and contents insurance. Minimum premiums apply. Discount does not apply to Home Emergency or Legal Assistance.
  • UK based call centres and 24 hour Home Emergency helpline
  • Alternative accommodation cost covered as standard in events like storm, fire or flooding (Limits apply)

Looking for contents insurance?

We also offer contents insurance and buildings insurance separately. Check you're happy with what’s covered, and we will provide you with separate prices when you get a quote.

Choice of two policy levels

You've made your home what it is. We'd like to help you keep it that way, by giving you a choice of cover and features that match your needs. Choose the policy that is right for you, and don't forget you can personalise your policy with additional cover options (available for additional premium). Not sure how much cover you need? Work it out using our contents calculator.


You can leave your home unoccupied for up to 60 days and remain covered on your home insurance, although we do recommend that due care is taken to protect your home for the period you are away.

If you have an existing policy and leave your house unoccupied for more than 60 days you will invalidate many aspects of your buildings and/or contents insurance.

You must tell us immediately if you move house. You must also inform us if any work is being done on your home which is more than routine maintenance, if you let your house out, use it for business purposes or use it as a holiday home. We may then assess whether your cover/premium needs to be revised.

You must tell us as soon as possible if any changes apply to you that may affect the level and/or cover of your insurance by calling 0800 051 02 34

Yes! If your child is a student temporarily living away from home their contents will be covered under your contents insurance. This includes contents kept in lodgings for a student at university, college or boarding school in the British Isles. This is limited to £5,000 for a Home Insurance Essentials policy, and £10,000 for a Home Insurance policy.

Yes! Your home is defined as the building of your main domestic home occupied by you, at the address shown in your schedule together with its domestic garages and domestic outbuildings. This includes sheds, greenhouses, garages or conservatories.

If you have contents insurance your contents in outbuildings are insured against theft; this is limited up to the value of £5,000 for the higher Home Insurance policy, or £2,500 for the Home Insurance Essentials policy.

More detailed information is available in the policy summary documents available on our home insurance pages.

Yes! We operate a new for old basis for both Home Insurance Essentials and Home Insurance contents policies. For full details about repairing or replacing contents please refer to our policy documents.

For policies bought before 25th September 2016:
When you have reached five years without making a claim, you will also have the option to protect the no claim discount for an additional premium.

You will lose this protection and some or all of your No Claim Discount if you make:

  • more than one claim in a period of insurance or
  • more than two claims in any three periods of insurance in a row.

For full details please refer to the policy wording.

For policies bought on or after the 25th September 2016 this optional extra is no longer available.

It is possible to pay for your policy either in monthly instalments or a one off payment for the year.

A single payment for the year can be made using a credit or debit card, or via an annual direct debit.

Paying by monthly instalments can only be done via direct debit (Available for over 18's only and subject to eligibility). Home Insurance Essentials policies can be paid monthly via direct debit with 5% fee (11.8% APR representative). Home Insurance policies can be paid monthly via direct debit with 0% fee (0% APR representative).

You may cancel your combined buildings and contents policy, buildings only policy or contents only policy at any time by contacting us on 0800 051 0243.

If you cancel your policy before it is due to start we will return any premium paid in full.

If you cancel within 14 days of your policy starting or within 14 days of you receiving your documents (whichever is the later) we will return any premium paid.

If you cancel after those 14 days have passed we will return any premium paid less an administration fee of £26.88 (including Insurance Premium Tax) and an amount for the period the policy has been in force.

We will not refund any premium if we have made or will have to make a claim payment to you or if a claim has been made against you during the period of insurance.

This applies to both new business and renewals.

Can't find what you're looking for? Take a look at our full list of Home Insurance FAQs

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