Why choose Nationwide contents insurance?

You can:

  • protect your contents while renting your home
    Get cover from only £5 per month.
  • pay monthly
    Spread your payments over the year, with no additional cost.
  • change or cancel your policy at any time
    We won’t charge you for cancelling or updating your details.
  • get a 25% discount year after year for as long as you’re a Nationwide member
    You’re a Nationwide member if you hold a Nationwide mortgage, savings or current account. You’ll also need to have got your quote on or after 21 April 2021.

What's more, you'll get:

  • flexible cover
    Pay for optional add-ons, like accidental damage cover, and switch them on and off as and when you need them.
  • tenants' liability cover
    We’ll cover the cost of repairing damage to your landlord’s property, if you’re responsible for it.
  • 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.
  • tenants improvements cover
    Cover for improvements you have made as a tenant of your home, such as replacing kitchen cupboards

Note: For cover limits and exclusions, including optional extras, see our Home Insurance terms and conditions - PDF, 6.8MB (opens in a new window).

To apply for Home Insurance 

You need to be:

  • at least 18 years old.

What will I be covered for?

With Nationwide contents insurance, you’ll be covered in case of loss or damage caused by specific issues, including:

  • fire
  • flood
  • burglary

However, you won’t be covered for: 

  • normal use or ageing 
  • damage due to a lack of maintenance. 

Note: Nationwide Home Insurance is provided by Royal & Sun Alliance plc. 

For cover limits and exclusions, including optional extras, see our Home Insurance terms and conditions – PDF, 6.8MB (opens in a new window)

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

The right level of cover

You can choose the level of cover you need, depending on the total value of your contents.

We’ll give you the option to choose between contents:

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

Remember, some people under-estimate the value of the things they own. Think about how much it would cost to replace everything in your home, should you need to.

Contents Insurance and optional extras in more detail

Compare contents cover

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 
Your watches, jewellery and items of gold, silver or platinum. We’ll ask you to tell us about 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
Tenants’ liability cover
We’ll cover you if you’re legally liable for damage to your home under the terms of your tenancy agreement.  
£5,000 £10,000
Tenants’ improvements  
We’ll pay for damage to fixed tenants’ improvements and fixed internal decorations in your home which you have added as a tenant.
£50,000 Unlimited

Optional add-ons

You can add any of the following extras for an additional premium.

For cover limits and exclusions, including optional extras, see our Home Insurance terms and conditions – PDF, 6.8MB (opens in a new window)

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.

Note: You won't get cover for damage caused by normal use or ageing or lack of maintenance.

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.

Note: You won't get cover for:

  • damage caused by normal use or ageing or lack of maintenance
  • replacing all undamaged items if the cost to repair or replace the damaged items is below the policy excess.

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.

Note: You won't get cover:

  • for damage caused by falling trees or branches
  • if you leave your home unoccupied for more than 60 days.

Out and 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.

Note: You won't get cover:

  • garden equipment and furniture left in your garden
  • bicycles taken away from 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. 

Note: You won't get cover if your bicycle gets stolen when left unattended and unlocked.

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 £500. They'll come out 24 hours a day, 365 days a year.

We’ll pay up to £500 for Home Emergency claims.

Note: You won't get cover for:

  • power cuts caused by your electric or gas supply getting cut off
  • power cuts caused by industrial action or strikes.

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.

Note: You won't get cover if you don’t have a realistic chance of winning the case.

Choose your 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 either; £350, or your chosen excess if that's more.

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

Ready to get a quote?

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

For generations, we've been helping people protect what matters to them. And providing great customer service, especially when our members need help, is a big part of that.

That's why we choose our partners carefully. We're working with Royal & Sun Alliance Insurance plc to bring you Home Insurance. So, together we're here for you when you need us.

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