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Nationwide: Home Insurance reviews

Name: Home Insurance
Rating: 2.68 (80 reviews)

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2.30

Based on 80 reviews, last reviewed 20th Mar 2025

100% increase in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

28%

15%

49%

Latest highest rating:

5

Great value for money Great value for money and great service Reviewed on: 20th March 2025

Latest lowest rating:

1

Water claim My experience is based on my claims experience. I claimed for a flood in my house. It was devastating . Because of the size of the claim a claims mana... Read more Reviewed on: 16th March 2025

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About this product

Whether you require buildings insurance, contents insurance or a combination of the two, finding the right insurer can be difficult. At Smart Money People, we want to make this process as quick and easy as possible. We collect Nationwide home insurance reviews to help you decide if it’s the right provider for your needs.

Nationwide works with Royal & Sun Alliance Insurance Ltd to provide home insurance policies. With a variety of additional extras, you can be confident you’re only paying for the cover you need. Nationwide also runs varying offers over time, such as discounts on your premium. Check the Nationwide website to see what offers are available at your time of purchase.

Finding the right provider will depend on your personal needs from a home insurance policy. You may be looking for a vast selection of optional extras in order to build a robust level of cover. On the other hand, you might be searching for the lowest cost premium on the market. Be sure to understand what’s most important to you from a policy before committing to a provider. Read our Nationwide home insurance reviews to decide if Nationwide is the right insurer for you.

Have you had a home insurance policy with Nationwide? Did you opt for buildings insurance, contents insurance, or a combination of both? How simple was the sign-up process? Were you satisfied with the level of cover you received for the cost of your premium? Did you need to make a claim, and if so, how well was it dealt with? Would you renew your policy?

Write a Nationwide home insurance review today. Together, we can help people like you make better decisions.

Nationwide Home Insurance reviews (80)

Review of the Nationwide, Home Insurance:

Helpful and efficient insurers

When our bathroom was flooded by an upstairs neighbour’s burst pipe, Nationwide were quick to react to my report of the incident. They were also surprisingly friendly and supportive, and did everything they could to coordinate technicians and surveyors in a prompt manner. They helped process our quotes and approve them quickly. Me and my partner had a very positive experience with Nationwide Home Insurance and would highly recommend them to others. Reviewed on: 23rd August 2023

Same cover as previous house insurance with loyalty discounts

I got the same cover with the same underwriter at almost half the price. Fantastic saving and the cover is just as good. Reviewed on: 29th August 2021

Customer loyalty

We had our mortgage with them so they offered us a discounted rate. Good customer service and recognising loyalty Reviewed on: 1st March 2021

Don't buy a policy here

I made a claim for damage to a flat roof . A tile came off the main house roof in a storm and landed on the flat roof causing damage. A friend replaced the tile for me. After 12 days a surveyor eventually arrived after several phone calls and unanswered emails. He told me that Nationwide Home Insurance would say it was accidental damage as I didn't have accidental cover. Guess what. That's exactly what they did so now a storm is an accident. I have cancelled my policy and gone elsewhere. Please spend your money elsewhere and give Nationwide Home Insurance a miss. I wish I had read other peoples reviews before I bought my policy but having been a Nationwide customer for several years I trusted them. Feel betrayed and let down. Reviewed on: 18th February 2021

Nationwide - never again

I've been a long term customer of Nationwide home insurance +10 years, but last 2 renewals noticed the price creeping up significantly, I've only got a 2 bed house no garage or outbuildings but they were quoting £400 per annum. After looking into it further I noticed as an existing NW customer of other products I was entitled to 25% discount. When I enquired about this discount I was informed I didn't quality as I didn't take out a fresh quote and I had a 'different' type of policy. What bull, well on the basis that I don't matter as a long term customer I've cancelled the policy and spent my money elsewhere on an equivalent good quality policy for £180, I wish I'd done this a couple of years ago but lesson learnt now each time I renew anything. Reviewed on: 25th October 2020

total waste of time and money

I have had contents insurance with Nationwide for 20 years and never made one claim until August this year for freezer food after my freezer blew up at midnight. They've taken thousands of pounds in insurance premiums but having submitted the (by comparison measly) claim online mid-August, no one bothered their backside to get back to me despite their assurance online that they will do so within 24 hours. Still waiting, will not renew and never touch any Nationwide product ever again. AVOID AT ALL COST Reviewed on: 7th October 2020

Con artists!

Avoid at all costs! They will take your money but than ignore you! Reviewed on: 29th June 2020

Building insurance claim

Not given correct information when I first made claim. Assessing company closed my claim without discussing my settlement. Settlement not reached by finding a contractor quote - just a scope of works and a lump sum which did not cover cost of repair. Didn’t tell me that I would have to find my own contractor for repair as claim under £1000. Couldn’t find this information in policy booklet. Reviewed on: 6th June 2020

They dont understand basic insurance!

Having just taken out a buildings and contents policy they have requested a valuation for my watch, the policy is written on a new for old basis which basically means they will replace all my processions (excluding clothes) as new, so I asked why do they require a valuation when I have the original receipt baring in mind they would replace it with a new one and they don’t, they just keep quoting their policy guidelines! How many people who provided an up to date receipt have they swindled out of money and told them to underinsure! Shame on you Nationwide and shame on you RSA for not spotting this! Reviewed on: 23rd April 2020

absolutely rubbish

Please do not buy from them. My mother made a claim, surveyor wasn’t even a roof surveyor and didn’t even go on roof and made up some nonsense. Claim refused. I called them asking for a roof surveyor which they so kindly refused (sarcasm). Customer service lady rude and rude and rude. My mother has been with them 14 years and never made a claim. Will never insure with them again. Disgusting and a total fraud company. Reviewed on: 3rd April 2020

Still waiting!!

We had a slow water leak which was discovered on 2 September, when the original surveyor came out he lied to nationwide about our conversation and claimed I accepted full responsibility for the leak(which I didn’t) nationwide then appointed a new surveyor and work started , half of our downstairs has been ripped out and now we have been told the work to reinstate it won’t happen till January!! We have constantly had to chase them and it’s been very stressful . I would not recommend them . Reviewed on: 26th November 2019

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