Insurance overview
NFU Mutual Bespoke Home Insurance includes a wide range of benefits as standard, plus the flexibility to add or extend protection for high-value contents such as fine art, collections and jewellery.
With local knowledge backed by an extensive team of experienced underwriters, claims handlers and specialist suppliers, our commitment to local, personal service means you can be sure you’ve got the cover you need, with reassurance from quote to claim.
What's covered:
- Accidental damage cover of buildings and contents: included as standard.
- Worldwide cover of contents: up to the insured amount.
- Alternative accommodation for you, your family, and domestic pets, if your home can't be lived in: no limit.
- Replacement of locks of outside doors, safes and alarm systems if your keys are lost or stolen: up to the insured amount.
- Home Emergency Cover* - protection against sudden and unexpected domestic emergencies that need action to prevent further damage or make your home safe and secure, with a limit of £1,500 per claim: included as standard.
- Personal legal expenses cover to provide you or your family living at home with advice and help with the cost of legal representation - including a 24 hour advice helpline: up to £100,000.
- Trace and access - the cost of finding the source of leaking water or oil used in central heating: up to the insured amount.
- Personal Cyber cover against cyber attack, ransomware, identity theft and cyber crime, including smart devices and wearables - including a 24 hour Cyber Assistance Helpline: up to £50,000 in any one period of cover.
- Contents in your garden: up to £50,000.
- Unauthorised use of credit cards: up to £50,000.
- Valuables including jewellery: up to £10,000 in total and £10,000 for each item, pair or set.
What's not covered:
- Any excess, which is the amount you’ll need to pay towards a claim. Your policy documents will outline where these apply.
- Damage or loss caused by lack of general maintenance, wear and tear, and loss of value over time.
- Any costs of replacing, repairing or restoring your buildings and contents above the amount you’ve insured them for.
- Storm or flood damage to gates or fences.
- Home Emergency Cover claims for damage caused by any gradual process such as dripping taps.
- Cover for items permanently kept away from the address shown on your policy schedule.
- Any claim under Personal Cyber cover which relates to any loss to your business or profession.
*Home Emergency Cover is provided by ARAG plc.
The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important Documents section.
The features and exclusions listed are not exhaustive. Your cover will depend on your circumstances. You can find further information in the Important Documents section.
