Write a review

Go to business site

NFU Mutual: Home insurance reviews

Name: Home insurance
Rating: 4.17 (66 reviews)

View other NFU Mutual products

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

Read all reviews See your review

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:

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

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

Do you have a different NFU Mutual product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Landlord Insurance
from Sharrocks 0.00 from 0 reviews
Home insurance
from Hastings Direct 3.34 from 70 reviews
Landlord Insurance
from The Home Insurer 0.00 from 0 reviews

Want to see more from NFU Mutual?

Landlord Insurance
from NFU Mutual 5.00 from 1 reviews
Caravan Insurance
from NFU Mutual 5.00 from 1 reviews
Annuity
from NFU Mutual 5.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub