Contents Insurance

Get cover for your contents and personal items with a Nationwide Contents Insurance policy.

Choose the cover you need

We're working with Royal & Sun Alliance Insurance Ltd to bring you Home Insurance. So, together, we're here for you when you need us.

You can choose the level of cover you want:

Contents up to £50,000, or
Contents over £50,000.

Here is a quick comparison of both levels of cover.

To apply for Home Insurance

You need to be at least 18 years old.

This table compares the value of cover between contents up to the value of £50,000 and over the value of £50,000.
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 watches, jewellery and items of gold, silver or platinum. We’ll ask you to tell us about individual items worth over £2,000.	£15,000	£30,000
Alternative accommodation If damage to your contents makes your home unfit to live in, we’ll pay to find you somewhere else to live temporarily and store your contents.	£15,000	£30,000
Theft from outbuildings For items stolen from your locked outbuilding or detached garage.	£2,500	£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.	Student - £5,000 Dependant relative - £5,000	Student - £10,000 Dependant relative - £5,000
Personal Liability If someone else gets injured or their belongings get damaged, and you’re held legally responsible.	£2,000,000	£5,000,000
Temporary removal Cover for contents you’ve taken with you while living within the British Isles temporarily, like working away from home.	£5,000	£10,000
Household removal Cover for damage to your contents when you move, including damage caused by a professional removal firm.	£50,000	Unlimited
Fridge and freezer food Cost of replacing food spoiled because the temperature of your fridge or freezer changed accidentally.	£750	£1,000
Money in your home To replace money lost or damaged in your home.	£750	£1,000
Lost or stolen house keys Replacing the locks on the external doors of your home, garage or outbuildings.	£750	£1,000
Loss of oil or water Accidental loss of oil or metered water.	£1,000	£1,000

Some of the things you won’t be covered for include:

Normal use
Ageing
Damage due to lack of maintenance

Note:

For cover limits and exclusions, including optional extras, see our Home Insurance terms and conditions - PDF, 6.8MB (opens in a new window). You’ll need to pay an excess when you claim.

For a simple summary of the policy, read the Home Insurance Product Information Document - PDF, 74KB (opens in a new window)

Contents Insurance for renters

If you’re renting your home, with Contents Insurance you can choose a level of cover that suits you, flexible add-ons, and cancel and change your policy with no charge.

Add the optional extras you need

You can choose to add any of the following cover for an extra cost:

Accidental Damage Cover

Get cover to financially protect the contents in your home against accidental damage.

This includes spilling wine on a carpet or a pet knocking over your television.

You’ll get cover up to the limits shown on your Policy Schedule.

Matching Items Cover

If we can't repair or replace a damaged item from a set, we'll pay to replace the entire set it belongs to.

For example, if we can’t repair or replace an armchair that belongs to a three-piece suite, we’ll replace the whole set.

You’ll get cover up to the limits shown on your Policy Schedule.

Garden Cover

You get up to £750 contents in the open cover as standard, but you can add a further £5,000 for loss or damage to your contents in the garden.

This then includes trees, shrubs, plants, lawns and tools.

Garden cover means we’ll pay to replace or repair your garden and its contents, including re-landscaping design fees.

Out & About Cover

Get cover for your personal possessions, like your watch, phone or camera, anywhere within the British Isles and for up to 90 days worldwide.

We'll ask you to tell us about individual items worth more than £2,000. You also get the option to add £2,500 to £15,000 of cover for everyday items you take away from the home.

We’ll pay:

up to £2,000 for items stolen from an unattended car
up to £500 for money outside the home.

Bicycle Cover

Get cover for your bicycles anywhere within the British Isles, and for up to 90 days around the world. This includes electric bicycles, tricycles, unicycles and cycling accessories.

We'll pay up to £1,000 for each bicycle you take away from home, including hired bicycles if you're responsible for them.

You'll need to tell us about any bicycle worth more than £1,000.

Home Emergency Cover

Get support to make your home safe and secure if an emergency occurs.

We use a company called CET, who will send out a recommended tradesperson who will make emergency repairs to your home up to £1000. They'll come out 24 hours a day, 365 days a year.

We’ll pay up to £1000 for Home Emergency claims.

This includes up to £500 towards the cost of a new boiler if we decide your boiler is beyond economical repair.

Legal Cover

Get legal expenses covered up to £50,000 for things like injury, an employment issue or boundary dispute.

Legal Cover is provided by Arc Legal Assistance and administered by Lyons Davidson.

We’ll pay up to £50,000 for Legal Cover claims.

Choose your Contents Insurance excess

Choose an excess from £50 to £500, in increments of £50. This is what you’ll pay if you need to make a claim.

For claims relating to escape of water (like water leaking from your washing machine) the excess is £500.

Information:

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

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Our Home Insurance is Defaqto 5 Star rated. Start your quote today for the cover you need.

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