Contents insurance
Get cover for your contents and personal items with a Nationwide Contents Insurance policy.
Cover for your home
We're working with Aviva Insurance Limited to bring you home insurance. So, together, we're here for you when you need us.
Information:
Types of cover, exclusions and optional extras are explained in our home insurance documents. You may need to pay an excess when you claim.
What you're covered for
Essentials
- Contents cover - up to £50,000
To replace the contents in your home if they’ve been lost or damaged due to things like fire, theft, and flooding. - Alternative accommodation - up to £25,000
We’ll find you somewhere else to live temporarily if your home gets damaged and is unfit to live in. This includes kennel fees. - Personal liability
If you’re found to be legally responsible for injury to a third-party or damage to their property up to £5,000,000
- Matching Items Cover is not included.
Enhanced
- Contents cover - unlimited
To replace the contents in your home if they’ve been lost or damaged due to things like fire, theft, and flooding. - Alternative accommodation - up to £50,000
We’ll find you somewhere else to live temporarily if your home gets damaged and is unfit to live in. This includes kennel fees. - Contents matching items cover
If we have accepted a claim for loss or damage to contents which are part of a matching group or set, we will pay to replace the undamaged companion piece(s) up to your sum insured.
The right level of cover
You can choose the cover you need, depending on the total value of your contents.
We’ll give you the option to choose between contents cover:
- Essentials up to £50,000
- Enhanced unlimited.
Remember, it’s easy to underestimate the value of the things you own. Think about how much it would cost to replace everything in your home, should you need to.
Compare contents cover
This table compares:
- Essentials cover – up to £50,000
- Enhanced cover – unlimited
This doesn’t include any optional extras, which you can add for an extra cost.
If you can't view the whole table, swipe or scroll to show more > > >
| Types of cover | Contents up to £50,000 | Contents over £50,000 |
|---|---|---|
| Contents cover We’ll repair or replace all your contents. |
£50,000 | Unlimited |
| Total valuables in your home Cover for your jewellery, watches, items of gold, silver or other precious metals, stamp, coin or medal collections, pictures, other works or art. |
£15,000 | £30,000 |
| Loss of rent or alternative accommodation If damage to your contents makes your home unfit to live in. |
£25,000 | £50,000 |
| Theft from outbuildings For items stolen from your locked outbuilding or detached garage. |
£1,500 | £5,000 |
| Family and student cover To cover the contents your family or dependants take with them if studying or staying in hospital, anywhere within the British Isles. |
Not available | £5,000 |
| Personal Liability If someone else gets injured or their belongings get damaged, and you’re held legally responsible. |
£5,000,000 | £5,000,000 |
| Household removals Cover for damage to your contents when you move caused by a professional removal firm. |
£50,000 | Unlimited |
| Freezer food Cost of replacing food spoiled because the temperature of your freezer changed accidentally. |
£1,000 | £1,000 |
| Money in your home To replace money lost or damaged in your home. |
£1,000 | £1,000 |
| Lost or stolen house keys Replacing the locks on the external doors of your home, garage or outbuildings. |
£1,000 | £1,000 |
| Loss of oil or water Accidental loss of oil or metered water. |
£2,000 | £2,000 |
Accidental Damage Cover
Get cover for accidental damage to the contents inside your home for things like knocking your TV over or breaking the glass on your coffee table.
You’ll get cover up to the limits shown on your Policy Schedule.
- You’ll be covered up to the limits shown on your policy.
- Damage caused by normal use, ageing or lack of maintenance is not covered.
Personal Belongings
We cover your possessions anywhere in the world. You're covered against accidental loss or damage for things you might wear or carry with you when you leave the home, such as clothing, jewellery, mobile phones and laptops. You can add Personal Belongings Cover if you’ve selected Contents Cover.
- You can choose the level of cover you need; cover your possessions from £2,000 to £20,000. Items over £2,000 need to be individually specified.
- Personal belongings used or stored for business or professional purposes is not covered.
Bicycle Cover
We cover your bicycles anywhere in the world. You’re covered against theft, loss, or damage. You can add Bicycle Cover if you’ve selected Contents Cover.
- The individual bicycle limit is £1,000. Bicycles over this limit can be specified.
- Bicycles worth over £1,000 are only covered for theft if they were secured with a Sold Secure Gold or Diamond-rated lock. This applies even if the bike was locked to an immovable object.
Legal Services Cover
Get Legal Services Cover up to £100,000 for things like injury, an employment issue or boundary dispute.
Legal Cover is provided and administered by Arc Legal Assistance.
- we’ll pay up to £100,000 for Legal Cover claims.
- You’re not covered if you don’t have a realistic chance of winning the case.