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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
We've reviewed NFU Mutual's standard and premium insurance policies – named Home and Bespoke. We've also surveyed 114 NFU Mutual customers who have recently made a home insurance claim.
As well as home insurance, NFU Mutual also sells car insurance and existing Bespoke customers can add travel insurance to their policy with wintersports cover. It doesn't cover all risks and postcodes, particularly those in major cities.
NFU Mutual is a mutual society that dates back to 1910, when seven local farmers established the Midlands Farmers Mutual Insurance Society Ltd.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the insurer's T&Cs before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Its policies are Best Buys for both buildings and contents cover - and it has a leading customer score.
86%
Policies
out of 21 home insurers with a customer score
See how this compares with the best home insurance, or read more about how we rate home insurance.
We've reviewed two NFU Mutual policies. Select a policy from our table to see what it offers and what we scored it.
| Buildings - Alternative accommodation | Unlimited | |
| Buildings - Burst pipes | Included | |
| Buildings - Escape of water excess | £450 | |
| Home emergency cover limit | £1,500 | |
| Home emergency - central heating/boiler repair | £1,500 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 | |
| Contents - Valuables unspecified single item limit | £20,000 | |
| Contents - Alternative accommodation | Unlimited | |
| Contents - Accidental damage | Full cover included | |
| Contents - Guests' belongings | Up to sum insured | |
| Contents - Theft of contents in the open | £50,000 | |
| Contents - Damage to contents in the open | £50,000 | |
| Contents - Theft from outbuilding | Up to sum insured | |
| Contents - Damage to contents in an outbuilding | Up to sum insured | |
| Contents - Personal possessions cover single item limit | Unlimited |
Table last updated in September 2026. Next update in September 2027. We recommend checking policies before buying.
Dean Sobers, Which? home insurance expert, says:
NFU Mutual's standard Home insurance policy is a Best Buy for both its buildings and contents cover. The policy’s cover limits adjust depending on the value of your home and contents being insured.
Based on a customer insuring a property up to £500,000 and contents up to £60,000 (the lowest tier of cover available), the policy scored 75% for its buildings cover and 76% for contents – in both cases ranking among the top 10 policies rated.
We were impressed by its high levels of cover for boiler repair (£1,000) and some accidental damage cover included as standard – for glass and sanitary ware under buildings cover, and home entertainment equipment, mirrors and glass in furniture under contents cover. Accidental damage cover for additional possessions is an optional add-on.
NFU Mutual’s cover isn't perfect, however. We noticed a lack of contents cover for damage caused by pets, which around a tenth of policies cover, and it doesn't cover guests' belongings.
NFU Mutual also stands out because it doesn't charge admin fees.
This means there will be no financial sting if you need to change any details concerning your cover partway through a year, and no cancellation fee if you decide to switch. Customers paying monthly also won't be charged more across the year than those who have paid upfront.
NFU Mutual also offers a policy called Bespoke, which is designed for high-value homes with contents worth more than £150,000.
This was the highest-scoring contents policy we reviewed – scoring 88% – and the second-highest buildings policy (with 78%). It’s also a Best Buy.
We asked NFU Mutual customers who have recently made a claim how they felt about their home insurance.
NFU Mutual received an excellent customer score of 86% – the joint highest in our table of 21 providers.
It also scored an impressive 86% when we asked people to rate its claims handling – again in the top spot out of 22 brands compared. See the list of results here.
When we asked more about the rating customers gave NFU Mutual, one claimant told us: 'Fast, friendly service, fantastic customer service. Could not have been more helpful and understanding when we had to make a claim.'
Another happy customer reflected: 'They responded in a timely fashion, and didn't give me a hard time with the claim. They made me feel important.'
| How comprehensive the policies are | |
| How affordable the policies are | |
| Clarity of policy | |
| Dealing with queries | |
| Dealing with complaints | |
| Value for money | |
| Fair treatment of long-standing customers | n/a |
Table last updated in September 2026. Next update in September 2027.
'n/a' represents where we have insufficient sample size (less than 40) to generate a star rating.
NFU Mutual sample size: Customer score, 114; Claims score, 115
It's not as easy comparing NFU Mutual's prices with those of other insurers as it doesn't appear on comparison sites. It's still worth checking out what the competition offers though.
NFU Mutual offers a discount if you buy your buildings and contents cover together. It also gives you a discounted price if you've installed specific types of alarm or security systems.
Want to pay monthly? Good news – NFU Mutual charges no monthly interest, so if you need to split the cost you won't be increasing the overall premium.
Above information correct as of August 2026. For more ways to save money when buying insurance, see our guide.
With a customer score of 86%, NFU Mutual has the joint-highest rating alongside Bank of Scotland.
Its standard policy was second-highest when it came to buildings cover - with a score of 75%. It was just below Saga Select - which had 77%, and it shared its position with Aviva Signature.
As for contents insurance, NFU Mutual's standard policy was second again with 76%, just below Aviva's score of 77%.
If you need to make a claim and you bought directly, you can call NFU Mutual on 0800 282 652. If you purchased your policy through a local agency office, you should contact that office.
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.
Yes, if you're happy with the price. NFU Mutual's policies have very high levels of cover, and its customers consistently give it a thumbs up.
If you live in an urban area, you might find that NFU Mutual won't cover you as it focuses on rural properties. If that's the case, look at our other Which? Recommended Provider, Tesco Insurance, and our Best Buys.
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