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NFU Mutual: Home insurance reviews

Name: Home insurance
Rating: 4.17 (66 reviews)

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4.32

Based on 66 reviews, last reviewed 5th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

77%

3 star

18%

Latest highest rating:

5

Great customer service and swift claims payment Great customer service and swift claims payment Reviewed on: 5th September 2025

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.

NFU Mutual Home insurance reviews (66)

Review of the NFU Mutual, Home insurance:

What a disaster!

In May 2020 I discovered damp patches from a leak that was coming from my en suite shower through the ceiling to the study below. The damage was extensive and NFU contracted the repair work out to C. Hanlon, a trades company. Work began on 24th June 2020 and for ther next 5 months my house was in total upheaval. I never knew if/when workmen would turn up. There were frequent, lengthy delays when they were sent off to other jobs and communication was sparse. The shower room and adjoining bedroom were gutted, the shower, wash basin and toilet were dismantled, carpets and floor boards were ripped up, the bedroom furniture was sent to storage, the ceiling and wallpaper in the study below where the water had leaked through had to be replaced. At one point when the workmen had left for the weekend, I found that they had left a pipe dripping which caused another leak through the ceiling below. By mid-October, the work was finally completed...or so I thought, but in February this year I noticed that the vinyl floor in the shower room had started lifting and suspected that the shower was still leaking. The NFU Claims Adjuster came out, gave a cursory look around and concluded that there was not a problem. However, when I lifted the vinyl I found that the floor boards were soaking. The leak is coming from under the shower tray. So now I am back to where I was in May 2020, with apparently no redress forthcoming. My calls are met with vague promises of future action which has so far not materialised. I wrote to NFU Customer Relations requesting that my claim be prioritised in view of the fact that their subcontractor's incompetence has caused this situation. Their response was that it takes 40 days to resolve a complaint, so clearly I am wasting my time with them. Reviewed on: 31st July 2021

Great customer service and swift claims payment

Great customer service and swift claims payment Reviewed on: 5th September 2025

Reliable NFU mutual

Excellent insurer used for many years not always the cheapest but pays claims promptly and fairly Reviewed on: 5th September 2025

NFU Mutual provided a personal responsive service fo...

NFU Mutual provided a personal responsive service for my Grade II listed home building insurance. I feel confident in NFU Mutual’s ability to provide the right insurance for a specialist building. They are easy to reach and can flexibly change aspects of the policy and provide instalment payment terms which are manageable and reasonable. Reviewed on: 5th September 2025

Great CS

Been with them over 35 years and have always got the support you require if things go wrong. Reviewed on: 10th October 2024

NFU is easy to contact through a local office and ca...

NFU is easy to contact through a local office and can handle claims over the phone very quickly. The staff are very knowledgeable about their products.And when contacting them nothing is too much trouble. What’s more important is they are always friendly and polite. Reviewed on: 7th September 2024

The NFU is the best of 2 unique insurers

The NFU is one of only two companies I know that will cover garages and contents outside the domestic boundary. Expensive but worth it for peace of mind. Reviewed on: 5th September 2024

NFU handled my claim ( approx £10k) in a very effici...

NFU handled my claim ( approx £10k) in a very efficient manner with no quibbles over costs. Reviewed on: 4th September 2024

Great experience while quoting and claiming

Great experience while having the quote, very informative. I had a claim for the first time in my life and it was extremely easy to go through and it was paid very quickly. Reviewed on: 4th September 2024

I have been with them for my home insurance for a fe...

I have been with them for my home insurance for a few years now. Only made one claim and it was not straight forward but no fuss from them. A video chat with their assessor and all was sorted. Have recently moved house and notified them they changed everything over quickly, sent my new documents. Very professional and efficient. Everyone one has been pleasant to deal with too, real people. Reviewed on: 4th September 2024

FANTASTIC SERVIVE

WE HAVE ALWAYS HAD GOOD SERVICE AND HAD BOUNES PAID WHEN WE WERE NOY EXPECTING THEM Reviewed on: 25th August 2024

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