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Buildings insurance

Protect the place you call home with Nationwide buildings insurance. Get your quote in minutes.

We offer two levels of Defaqto rated cover, so you can pick what works for your home and budget. Essentials is rated 3 Star and Enhanced is rated 5 Star.

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Defaqto expert rated home insurance

  1. We’ll keep a roof over your head

    Buildings insurance covers the damage to your home, and also picks up the bill for you to stay somewhere else. Limits apply.

  2. Pay monthly at 0% interest

    We won’t charge a penny more if you spread your payments over 12 months.

  3. Protection you can count on

    Our trusted partner, Aviva have been protecting customers for over 325 years.

What's covered

Buildings insurance covers the structure of your property, including the walls, roof, floors, and any permanent fixtures such as kitchens and bathroom suites.

Nationwide buildings insurance covers loss or damage caused by things like:

  • Fire, storms or floods.
  • Leaks or water escaping from pipes or heating systems.
  • Theft or attempted break‑ins that damage your home.
  • Accidental impacts, like a car or falling tree hitting your property.
  • Damage caused by vandalism or civil disturbances.
  • Ground movement, such as subsidence.

What's not covered

  • Damage that happens over time, such as wear and tear.
  • Damage caused by pets or other domestic animals.
  • Storm damage to fences, gates and hedges.

Important policy information:

For more information on types of cover, exclusions and optional extras, read our home insurance documents.

Defaqto rated cover

We have two levels of Defaqto rated cover to choose from:

  • 3 Star Essentials cover.
  • 5 Star Enhanced cover.

Compare buildings cover

This table doesn’t include optional extras, which you can add for an additional cost.

If you can't view the whole table, swipe, scroll, or rotate your phone to show more > > >

Table comparing essentials and enhanced building insurance cover
Types of cover Essentials Enhanced
Buildings cover
If your home gets damaged, we’ll cover the cost of repairing or rebuilding your home.		 £1,000,000 Unlimited
Loss of rent or alternative accommodation
We’ll find you somewhere else to live temporarily if your home gets damaged and is unfit to live in. 		£100,000 £200,000
Tracing a hidden domestic water or oil leak
Including making good after the leak has been fixed.		 £2,500 £5,000
Loss or theft of keys
Replacing the locks on the external doors of your home, garage or outbuildings. 		 £1,000 £1,000
Public liability
If you’re held legally liable (as the homeowner) for injury to a third-party or damage to their property.		 £5,000,000 £5,000,000
Matching items
If we can’t find a matching replacement for damaged tiles, fitted furniture, or bathroom fittings, we’ll pay to replace the undamaged ones too. 		 Unavailable £10,000

Did you know...

Combining your buildings and contents insurance with one provider could work out cheaper than buying them separately?

Explore buildings and contents insurance combined

Explore optional extras

For an additional cost, you can add any of the following optional covers. The optional covers are for both Essentials and Enhanced Covers unless otherwise stated.

Choose your excess

Choose an excess from £100 to £400, in £50 increments.

For the following claims you’ll pay a different excess.

  • £500 for damage claims relating to escape of water, like water leaking from your washing machine.
  • £1,000 for damage claims related to subsidence, heave or landslip on your property.

Excess information:

You don't pay an excess if you claim on Home Emergency Cover or Legal Services Cover.

Important home insurance documents

For a summary of the home insurance product, read our Home Insurance Product Information Document.

For more detailed information - including types of cover, exclusions and optional extras - read our home insurance policy documents and summary of cover limits.

Get a quote online in minutes

You can choose to get a quote for:

  • buildings insurance
  • contents insurance
  • combined buildings and contents insurance.

You can also add optional extras to your policy for an additional cost, only paying for the cover you need.

To apply for home insurance

You need to be at least 18 years old.

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Frequently asked questions

Buildings and contents insurance

Combining your buildings and contents insurance with one provider could work out easier than buying them separately.

Explore buildings and contents insurance

Contents insurance

Contents insurance gives you with peace of mind that your belongings are covered from loss, damage, or theft.

Explore contents insurance

Existing customer support

Whether your cover is with Aviva or Royal & Sun Alliance Insurance Ltd, we’ll guide you to the right place to make a claim, view home insurance policy documents, or manage your policy.

Make a home insurance claim

Looking to start a home insurance claim with RSA or Aviva? Find support here, including guidance for emergency situations.

Start your claim

Manage your policy

Already have a home insurance policy with RSA or Aviva? Manage your policy here.

Manage your policy here

Home insurance help