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NFU Mutual: Home insurance reviews

Name: Home insurance
Rating: 4.62 (72 reviews)

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4.62

Based on 72 reviews, last reviewed 3rd Sep 2026

600% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

79%

3 star

17%

Latest highest rating:

5

Changed to Nfu. Changed to Nfu. The customer service guy was knowledgeable, helpful and guided me through the changeover impeccably. I was very pleased in deed. All d... Read more Reviewed on: 3rd September 2026

Latest lowest rating:

1

You have to fight for years to get a proper payout from them after 50 years of being a loyal customer. Dreadful company with even worse loss adjusters It’s a long fight to get a proper payout . Dreadful company with even worse loss adjusters. Reviewed on: 22nd August 2023

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About this product

NFU Mutual home insurance policies can be bought as standalone buildings and contents or both together as a combined policy.

They reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy. And you won't be charged extra if you choose to pay monthly by Direct Debit - no fees or interest.

NFU Mutual home insurance reviews help you find out what it’s really like to be a customer. If you’ve used NFU Mutual before, you can also leave a review and share your experience.

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NFU Mutual Home insurance reviews (72)

They're very good.

They're very good. They insure my home. I pay by direct debit. They're an insurance company that do insurance, and they insure me. I am insured by them. My home is not insured by anyone else. Reviewed on: 23rd August 2024

Insurance You Can Rely On

I have had Building and Contents Insurance with NFU for 20 years. I needed an insurer with a flexible approach, as I live in a Barn Conversion where standard insurance cover simply didn't fit the bill. NFU were easy to talk to with a 'can do' approach both friendly and professional. With a loyalty bonus each year that makes me feel valued. Reviewed on: 24th August 2023

Efficient, helpful and easy to deal with

We've been with NFU Mutual for many years. They are not the cheapest, but their prices are reasonable. We've had to make a few claims over the years, and they have always responded quickly and positively. Reviewed on: 24th August 2023

Always there to talk

I really value the fact that NFU are reachable by phone and the staff are always well trained - knowledgeable and helpful to my queries. Reviewed on: 23rd August 2023

Personal, caring insurance provider

NFU have been our insurers for many years. The premium is very reasonable for the cover they provide, when we were running our own business from home & now we have retired. They are very flexible and will make alterations to the policy with a quick phone call. They remind us each year well before the renewal date and are happy to come out to see us to discuss any changes we might need. And on the rare occasions we have had to make a claim, they have been fair, prompt and helpful. Reviewed on: 23rd August 2023

You have to fight for years to get a proper payout from them after 50 years of being a loyal customer. Dreadful company with even worse loss adjusters

It’s a long fight to get a proper payout . Dreadful company with even worse loss adjusters. Reviewed on: 22nd August 2023

I would highly recommend NFU

They are a brilliant organisation - it doesn’t matter which of their products you need; you can rely on them all. The company are efficient, organised, responsive, and their customer service is superb. Reviewed on: 14th July 2023

No payment on any claim

I have been with NFU for over 20 years, they have wriggled out of every claim by telling me 'that is not insured' or you never included that in your prospectus, or your insurance does not include that claim, despite having my house & several other properties insured. My car insurance went up so much I had to find another company. They are recommended by Which, but what annoys me is that no-one ever reviews how good these companies are when a claim is made, its only how polite or charming they are when you take the insurance out initially. Reviewed on: 28th April 2023

NFU Mutual, definitely first for customer service!

Local office contact available, with easy access to knowledgeable advisors. One of the few national organisations where you can still speak to a local office for information and advice. Reviewed on: 28th February 2023

Waste of money!!!

We took a building and contents insurance thinking NFU was the best!! How wrong was I?? We bought an old manse so wanted to have it fully insured. After suffering a lot of damage during storm Arwin. We had exterior walls down and around 9 trees. The direction of the storm was very clear. The chimney in the direction of the storm damage came down during the storm. It’s taken over a year to get them to pay to have it repaired. A so called surveyor came from Crawford and co came to look at the damage. He looked from the garden for about 2 minutes before taking a picture and leaving. He could never of seen the damage to the roof it being a 3 story building. I then received an email saying it was wear and tear and wouldn’t cover it. I am still fighting them over this over a year later. I have spoken to so many people at NFU who told me different information. I was told at the least they would put a drown up to see the damage. I was also told they would contract another surveyor as the service from the previous one was so bad. The claim was meant to be escalated to senior staff. I received another letter today saying again they wouldn’t cover the damage same old same old. I can’t seem to talk to anyone involved with the decision . They are always on another call apparently. They have said I have to pay for my own contractor to access the storm damage! I thought that was their job?? It’s been a total nightmare! We live in an old house. It is in amazing condition but yes it’s old so they could say anything was wear and tear. What is the point of the insurance?? So it looks like I will have to pay for a contractor to tell them it was storm damage at my own cost. This is just a joke!! Are they really trying to say my chimney came down by chance during the worst storm in 40 years in this area? So it goes on…..Do yourself a favour avoid them!! My premium is over £200 a month now with what cover?? They were meant to be the best now it seems they are the worst! Reviewed on: 6th January 2023

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