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NFU Mutual is a mutual society that dates back to 1910, when seven local farmers established the Midlands Farmers Mutual Insurance Society Ltd.
As well as home insurance, NFU Mutual also sells car insurance and existing Bespoke customers can add travel insurance to their policy, with wintersports cover. Unfortunately, NFU Mutual doesn't cover all risks and postcodes – particularly those in major cities.
We've reviewed NFU Mutual's Bespoke and Home insurance policies. We've also surveyed 70 NFU Mutual customers who have recently made a home insurance claim.
Please note that this article is for information purposes only and doesn't constitute advice.
Here's how NFU Mutual scored in our latest survey.
See how this compares with the best home insurance, or read more about how we rate home insurance.
We reviewed two NFU Mutual policies. Select a policy from our table to see what it offers and how it scored.
| Buildings - Alternative accommodation | Unlimited | |
| Buildings - Burst pipes | As standard | |
| Buildings - Escape of water excess | £450 | |
| Home emergency cover limit | £1,500 | |
| Home emergency - Central heating/boiler repair | £1,000 | |
| Buildings - Groundwater flooding | Not covered | 0 out of 5 |
| Subsidence excess | £1,000 |
Table last updated in September 2025. Next update in September 2026. We recommend checking policies before buying.
This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.
Get a quotePlease note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
Dean Sobers, Which? home insurance expert, says:
NFU Mutual's Home Insurance policy is a Best Buy for both its buildings and contents cover. The policy’s cover limits adjust depending on the values of your home and contents being insured.
Based on a customer insuring a property up to £500,000 and contents up to £60,000 (the lowest tier of cover available), the policy scored 78% for both buildings and contents – in both cases ranking among the top 10 policies rated.
Plus points include high levels of cover for boiler repair (£1,000) and £6,000 cover for business equipment, such as office furnishings.
NFUM’s cover isn't perfect, however. We noticed a lack of contents cover for damage caused by pets, which around a third of policies cover, and it doesn't cover guests' belongings.
One area where NFU Mutual stands out is in its policy of not charging admin fees.
There will be no financial sting if you need to change any details concerning your cover partway through a year, and no cancellation fee if you decide to switch. Customers paying monthly also won't be charged more across the year than those who've paid upfront.
The Home & Lifestyle policy is being phased out (replaced by the Home policy) but still currently has some policyholders. It was also a Best Buy, with similar scores of 77% for buildings cover and 76% for contents cover.
NFU Mutual also offers an alternative policy called Bespoke, which is designed for high-value homes with contents worth more than £150,000.
This was the highest-scoring contents policy we reviewed – scoring 90% – and the second-highest buildings policy (with 82%). It’s also a Best Buy.
We asked NFU Mutual customers who have recently made a claim how they felt about their home insurance.
NFU Mutual received an excellent customer score of 81% - the highest score in our table of 17 providers rated.
It also scored an impressive 77% when we asked people to rate its claims handling – again in the top spot out of 24 brands compared. See the list of results here.
When we asked more about the rating customers gave NFU Mutual, one claimant told us: 'We were burgled and the repair costs were over £20,000. The claim was settled promptly and professionally.'
Another happy customer who claimed for a flatscreen TV that was accidentally pushed over, said: 'They reimbursed almost all the original cost' and were 'quick to pay up'.
| How comprehensive the policy cover is | |
| How affordable the policies are | |
| How thorough the application process is | - |
| Clarity of Policy | |
| Dealing with queries | |
| Fair treatment of long-standing customers | |
| Dealing with complaints | - |
Table last updated in September 2025. Next update in September 2026.
"-" represents where we have insufficient sample size (less than 30) to generate a star rating.
NFU Mutual sample size: Customer score, 70; Claims score, 74
It's not as easy comparing NFU Mutual's prices with those of other insurers, as it doesn't appear on comparison sites and you can only obtain its quotes over the phone.
It's still worth checking out what the competition offers through other channels, though.
NFU Mutual offers a discount if you buy your buildings and contents cover together. It also gives you a discounted price if you've installed specific types of alarm or security systems.
Want to pay monthly? Good news - NFU Mutual charges no monthly interest, so if you need to split the cost you won't be increasing the overall premium.
Above information correct as of August 2025. For more ways to save money when buying insurance, see our guide.
With a customer score of 81%, NFU Mutual sits at the top of our table.
Its buildings cover for its standard policy scored 78%. Only a standard policy from Coverbaloo does better – scoring 82%.
As for contents insurance, NFU Mutual's standard policy scored 78%, just below Aviva's standard policy on 79%.
If you need to make a claim and you bought directly, you can call NFU Mutual on 0808 256 7199. If you purchased your policy through a local agency office, you should contact that office.
When you call, you'll be asked for details about what happened and when, as well as any action you've taken so far.
NFU Mutual will also ask what you're claiming for and the approximate cost involved.
Yes, if you're happy with the price. NFU Mutual's policies have very high levels of cover, and its customers consistently give it a thumbs up.
If you live in an urban area, you might find that NFU Mutual won't cover you, as it focuses on rural properties. If that's the case, look at our other Which? Recommended Provider, Tesco Insurance, and our Best Buys.
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