NFU Mutual home insurance review

What does NFU Mutual offer?

NFU Mutual is a mutual society that dates back to 1910 when seven local farmers established the Midlands Farmers Mutual Insurance Society Ltd.

You can also purchase NFU Mutual car insurance.

Unfortunately, NFU Mutual doesn't cover all risks and postcodes – particularly those in major cities.

Its Home and Lifestyle policy provides key cover, legal protection and burst pipes cover as standard (although the latter covers damage caused by leaks rather than the costs of repairing the pipes). You can choose to add on accidental damage, home emergency, personal possessions and boiler cover.     

• Find out more: how to find cheap home insurance

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Does NFU Mutual offer the best home insurance?

We've rated dozens of insurers on their policies and, where possible, customer service. Members can log in to read our full reviews. 

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How good is NFU Mutual's home insurance policy?

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How did customers rate NFU Mutual's home insurance?

We've talked to customers, who had recently made a claim, to rate insurers for their customer and claims service. 

Members can log in to see these scores. If you're not already a member, join Which? and get full access to these results and all our reviews.

How can you save money on NFU Mutual's home insurance?

It's not as easy comparing NFU Mutual's prices with those of other insurers. It doesn't appear on comparison sites, and you can only obtain its quotes over the phone. It's still worth checking out what the competition offers through these other channels, though. Whether you're renewing or considering switching to NFU Mutual, you'll potentially be able to use this information to haggle the premium down.

NFU Mutual charges no monthly interest, so if you need to split the cost you won't be increasing the overall premium. 

NFU Mutual will offer a discount if you buy your buildings and contents cover together. It also gives you a discounted price if you've installed certain types of alarm or security systems.

How can I claim?

If you need to make a home insurance claim with NFU Mutual call 0808 256 7199.

When you call, you'll be asked for details about what happened and when, as well as any action you've taken so far.

NFU Mutual will also ask what you're claiming for and the approximate cost involved.

• Find out more: is it worth claiming on your home insurance?