Cover options

What we cover

What we cover under buildings and contents insurance

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 to match your needs. Choose the cover level that's right for you, and dont forget you can personalise your cover with our additional cover options.

Looking for buildings or contents insurance on its own? No problem, you can select this at the end of your quote. 

Key features as standard: Contents



Home Insurance Essentials
our standard level of cover
Home Insurance
our highest level of cover
Contents sum insured
£50,000 (can be increased)
£100,000 (can be increased)
Matching sets & suites Fallback Text
No
Yes
Accidental damage caused by pets
No
Yes
Personal possessions Fallback Text
Optional
Yes
Accidental damage to TV and video equipment Fallback Text
Optional
Yes
Contents accidental Damage
Optional
Yes
Glass breakage Fallback Text
Optional
Yes
Digital information Fallback Text
£1,000
£3,000
Contents in the garden
£1,000
£6,000
Plants in the garden
£1,000
£2,500
Theft and loss of keys
£500
Reasonable cost
Students belongings
£5,000
£10,000
Business equipment
£3,000
£10,000
Fridge and freezer contents
£300 Up to the sum insured
Temporary removal
£5,000
£10,000
Money in the home
£500
£1,000
Valuables single item limit
£2,000
£4,000
Loss of oil
£500
Up to the sum insured
Loss of metered water
£500
Up to the sum insured
Theft from outbuildings
£2,500
£5,000
Personal liability
£2,000,000
£5,000,000
Contents minimum excess
£50
£50
Monthly Direct Debit fee
(available for over 18's only and subject to eligibility)
5% (11.8% APR representative)
0% (0% APR representative)

Matching sets & suites

If the damaged item is part of a set or suite and it can't be repaired or replaced, we'll cover the cost of replacing the matching items, too. This is particularly handy when it comes to bathroom suites and sofas.

Personal posessions

Cover things that you take away from the home, such as your mobile phone, watch or jewellery.

Accidental damage to TV and video equipment

Cover for accidental damage to TV and video equipment is automatically included if you add Acciental Damage cover to your policy

Glass breakage

Glass breakage is automatically included if you add Accidental Damage cover to your policy

Digital information

We'll replace things you've bought and downloaded online, including music, films and games.

Key features as standard: Buildings



Home Insurance Essentials
our standard level of cover
Home Insurance 
our highest level of cover
Unlimited cover (providing the property is not listed, built
before 1760 and does not have more than 6 bedrooms)
No (Up to £1,000,000)
Yes
Accidental damage caused by pets
No
Yes
Buildings accidental damage
Optional
Yes
Glass breakage Fallback Text
Optional
Yes
Service pipes and cables
Yes
Yes
Loss of ground and rent
Yes
Yes
Theft and loss of keys
£500
Reasonable cost
Trace and access
£5,000
£10,000
Alternative accommodation
£25,000
£50,000
Buildings minimum excess
£50
£50
Additional accidental damage excess
£0 (if Accidental Damage added)
£0
Property owners' liability
£2,000,000
£5,000,000
Monthly Direct Debit fee
(available for over 18's only and subject to eligibility)
5% (11.8% APR representative)
0% (0% APR representative)

Glass breakage

Glass breakage is automatically included if you add Accidental Damage cover to your policy

Why not personalise your cover with the help of the options below. It's easy to enhance your home insurance cover with Nationwide.

Need help? call us on 0500 30 20 17 (Mon - Fri: 8am-8pm Sat & Sun: 9am-5pm)

Home Emergency insurance - This link is used to show and hide related content.

With optional home emergency cover you'll receive extensive cover for a range of emergencies such as roof damage, vermin infestation, a burst pipe or a broken down boiler.

Home Emergency insurance – what's covered?

24 hour assistance if a home emergency occurs and you need a tradesman to make your home safe, secure and prevent further damage.

You are covered for up to £500 to deal with emergency problems such as:

  • Roof damage.
  • Plumbing and drainage problems.
  • Main heating system failure.
  • Domestic power supply failure.
  • Toilet unit damage or failure.
  • Damage to doors and windows.
  • Loss of keys.
  • Vermin infestation.

Cover is up to £500 (incl. VAT) in total for call-out charges, labour costs and parts and materials.

You should report an incident as soon as is reasonably possible (normally within 48 hours of the emergency happening). This is not a maintenance contract and cover is provided for emergencies in the home only.

For more information about the limits and exclusions, please read the policy documents.

How much is it?

A fixed fee of £20.14 for the year which includes Insurance Premium Tax.

If you already have a Home Emergency policy, you’ll need to consider which policy is better for you. Please ensure you understand the differences in cover before deciding which cover is more suitable for you. The Home Emergency cover option is not a maintenance contract and relates to helping you if you suffer a home emergency.

Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited. The legal service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS.

Accidental Damage cover  - This link is used to show and hide related content.

Included as standard with our Home Insurance policy

Covers you for accidents in the home, which account for more claims on our home insurance than anything else, such as a mishap with a glass of wine or when decorating.

The cost of this option depends on individual circumstances, so remember to get a quote.

Accidental Damage cover – what's covered?

Buildings insurance accidental damage cover

Accidental damage cover for accidents in your home such as putting your foot through the loft floor or spilling paint down the outside wall of your house while painting the windows.

Contents insurance accidental damage cover

Accidental loss or damage cover for home contents, to cover accidental breakage of items like vases and ornaments, as well as DIY disasters like spilling paint on carpets or furniture.

The insurer

Nationwide buildings and contents insurance is underwritten and administered by U K Insurance Limited. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered address: U K Insurance Limited, The Wharf, Neville Street, Leeds, LS1 4AZ.

Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS. DAS Legal Expenses Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

DAS Law Limited is authorised and regulated by the Solicitors Regulation Authority. DAS Law Limited is listed on the Financial Conduct Authority register to carry out insurance mediation activity, including the administration of insurance contracts, on behalf of DAS Legal Expenses Insurance Company Limited.

Nationwide Home Insurance Service

For information about the service we offer please read the 'About our home insurance services' document

General Information

Unless otherwise agreed, English law will apply and all communications and documentation in relation to this policy will be in English.

Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 106078. You can confirm our registration on the FCA’s website, www.fca.org.uk or by contacting the FCA on 0800 111 6768.

Nationwide will not provide you with any advice or recommendation as to the suitability of the insurance products in these product information pages, so that you can make your own informed decisions.

Always give us accurate information

It is essential you give us accurate information and tell us about anything that might affect your application. If you don't, we may not be able to pay any claims you make. 

Always check to see if you are covered elsewhere

You cannot make the same claim twice, even if you've been paying for duplicate cover.

Stay covered when you switch

If you have existing cover and want to switch to us, make sure that your new Nationwide policy starts as soon as your old one ends.

Regularly review your insurance needs

Your circumstances may change over time. Remember to regularly review your insurance needs including your level of cover and tell us of any changes you want to make. Your premiums may increase if you require additional cover, so you may need to take your other financial commitments into account. 

Make sure you understand what you're getting

Please ensure that this policy is right for you and that you understand what is and is not covered. We cannot pay a claim for something that's not covered and we won't be able to refund premiums for the period that we've provided cover for. So if there's anything you don't fully understand, please ask us to explain it to you before you go ahead. That's what we're here for.

*Get a £50 Amazon.co.uk Gift Certificate

Enjoy £50 to spend at Amazon.co.uk, on us. We’re offering the Gift Certificate to our main current account customers** who buy new buildings and contents cover together, until 31.1.15. Whether you choose our standard or higher level Home Insurance cover, your home and its contents will benefit from a quality policy, giving you peace of mind.

Amazon.co.uk gift certificate image

To get the £50 Amazon.co.uk Gift Certificate, you must enter the code 'AMA5014' into your quote.

The Gift Certificate is only valid for customers who meet our eligibility criteria** and buy a new combined buildings and contents policy. A third party (Xexec) will email the Gift Certificate code to you using the email address you provide during your quote, within 3 months of your policy coming into force providing your policy is not cancelled. If your email doesn’t work, you will receive your Gift Certificate in the post the following week. We’ll only share your contact details (which will include the address you gave us) with the third party so that they can send you the Gift Certificate; they won’t be used for any other purpose. Offer has been extended as valid to customers who get a quote between 01.10.2014 and 31.01.2015 and purchase their policy within the quote validity period.

**Eligibility criteria:

To qualify as a Nationwide main current account customer, you must:

  1. Hold a FlexOne account and be aged 18 or over, or hold a FlexAccount with a Visa debit card (not cash card or cash card+) and have:
    1. Been paying in £750+ a month for the last 3 months (excluding internal transfers);
      or
    2. Completed an account switch to us (from a non-Nationwide account) using our Current Account Switch Team in the last 4 months; or 
  2. Hold a FlexDirect or FlexPlus account

Who provides this insurance?

Nationwide buildings and contents insurance is underwritten and administered by U K Insurance Limited.
Home Emergency and Legal Assistance are underwritten by DAS Legal Expenses Insurance Company Limited. The legal advice service is provided by DAS Law Limited and/or a preferred law firm on behalf of DAS.

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Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Certificates ("GCs") may be redeemed on the Amazon.co.uk website towards the purchase of eligible products listed in our online catalogue and sold by Amazon.co.uk or any other seller selling through Amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.

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