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

NFU Mutual offers one home insurance policy, named Home & Lifestyle.

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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, as 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 you claim?

If you need to make a claim and have bought your insurance directly, you can call NFU on 0808 256 7199. 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.

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

NFU Mutual FAQs

Is NFU Mutual insurance expensive?

Home insurance is 'personally priced', which means the insurer sets you an individual price depending on how risky it assesses you to be and how keen it is to attract or keep your business. These will determine whether it'll be cheap or expensive for you, compared to other insurers. That said, its relatively high levels of cover mean it may be pricier than some less comprehensive policies. 

Who owns NFU Mutual?

NFU Mutual is the trading name of The National Farmers Union Mutual Insurance Society Limited. As a mutual, it has no shareholders and is owned by its policyholders.

Where is NFU Mutual's head office?

NFU Mutual's head office is in Stratford-upon-Avon.

Find out how NFU Mutual is rated for other products

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