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Buildings insurance

Get cover for your home with a Nationwide Buildings Insurance policy.

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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

  • Buildings cover - up to £1,000,000
    If your home gets damaged, we’ll cover the cost of repairing or rebuilding your home. This includes fire, storm and flood damage.
  • Alternative accommodation- up to £100,000
    We’ll find you somewhere else to live temporarily if your home gets damaged and is unfit to live in. This includes kennel fees.
  • Trace and access - up to £2,500
    To cover the reasonable cost of removing and replacing internal parts of your home to find the source of water or oil leaking from a heating or water system.
  • Matching Items Cover is not included.

Enhanced

  • Buildings cover - unlimited
    If your home gets damaged, we’ll cover the cost of repairing or rebuilding your home. This includes fire, storm and flood damage.
  • Alternative accommodation - up to £200,000
    We’ll find you somewhere else to live temporarily if your home gets damaged and is unfit to live in. This includes kennel fees.
  • Buildings matching items cover
    If fixed sanitary ware, fitted furniture, or floor and wall tiles are lost or damaged within the same room or internal open-plan area, we’ll cover the cost up to £10,000.

For both Essentials and Enhanced Cover:

  • For an additional cost, you can choose from optional covers like Accidental Damage Cover, Legal Services Cover or Home Emergency Cover
  • Damage caused by normal use, ageing or lack of maintenance is not covered.

Compare buildings cover

This table compares:

  • Essentials cover – up to £1,000,000
  • 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 > > >

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

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 stated below.

  1. Accidental Damage Cover

Get cover for accidental damage to the structure of your home and your fittings, like doors, bathroom suites and kitchen cupboards.

This includes if you accidentally drill through a pipe or break a window.

  • 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.

  1. Home Emergency Cover

We cover home emergency situations such as a burst pipe or breakdown of your boiler. In these situations, we’ll give you advice and assistance to make temporary repairs. Home Emergency Cover is provided by Aviva Insurance Limited and administered by HomeServe. You can add Home Emergency Cover if you’ve selected Buildings Cover, Contents Cover or both.

  • We’ll pay up to £1,000 for Home Emergency claims.
  • We’ll pay up to £500 towards the cost of a new boiler if we decide your boiler is beyond economical repair.
  • Issues with warm air, solar, or underground heating is not covered.
  • Routine cleaning, maintenance, servicing, or replacement of equipment or its parts due to natural wear and tear is not covered.

  1. Legal Services Cover

Legal Services Cover is underwritten by Aviva Insurance Limited and administered by Arc Legal Assistance Limited. It provides up to £100,000 for legal expenses to pursue or defend a claim for things like personal injury, employer disputes or property disputes. You can add Legal Services Cover if you’ve selected Buildings Cover, Contents Cover or both.

  • We’ll pay up to £100,000 for Legal Services Cover claims.

  • Disputes that started before you took out the policy is not covered.

  • Disputes where the lawyer does not believe you are more likely than not to win your case is not covered.

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.

Information:

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

Important 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.

To apply for home insurance

You need to be at least 18 years old.

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