Natwest Home Insurance

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51% of consumers could save £201.06 on their Home Building & Contents Insurance. The saving was calculated by comparing the cheapest price found with the average of the next fourteen cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website. This is based on representative cost savings from January 2024. The savings you could achieve are dependent on your individual circumstances.

Natwest Home Insurance

NatWest home insurance can protect your home and possessions against a range of issues including theft, fire, flooding, accidental damage and more.

Home insurance generally falls in to three categories:

  • Buildings insurance
  • Contents insurance
  • Joint buildings and contents insurance

Which of these you need will depend on your personal circumstances. Renters will normally only need contents insurance as your landlord should cover the building. Homeowners will usually require both buildings and contents insurance, with buildings insurance being a standard requirement for most mortgages.

Choosing a Natwest home insurance policy

With a NatWest home insurance policy you can benefit from:

  • A ‘no change to your premium’ incentive offered the same fixed price for two years
  • A 24/7 helpline, 365 days a year
  • Interest free monthly payments

NatWest home insurance customers can choose from different policy levels.

Essentials Contents Insurance

This offers:

  • This is suited to tenants and students.
  • Up to £14,000 of cover for your possessions
  • Loaned college material is covered up to £500 if lost or stolen, books are covered up to £200
  • You can top up your policy to include laptops, phones, bikes etc.
  • New for old replacement

Standard Home Insurance

Policy-holders can benefit from:

  • Buildings cover up to £1,000,000
  • Contents are covered up to £50,000
  • New for old replacement
  • Alternative accommodation cover up to £25,000 with buildings cover and up to £15,000 with contents cover
  • Accidental damage is included
  • Optional possessions cover and legal cover

Elite Home Insurance

NatWest’s most comprehensive home insurance policy, offering:

  • Unlimited cover for buildings
  • Contents are covered up to £100,000
  • New for old replacement and matching items replacement cover
  • Alternative accommodation up to £50,000 with buildings cover and up to £30,000 with contents cover
  • Accidental damage cover included
  • Family legal protection included up to £100,00
  • Personal possessions cover for items taken out of the home included

Which policy is right for you?

The essentials policy is a great option for people who really need the bare minimum of coverage. Alternatively, their more compete packages offer a well- rounded customisable service. The three year fixed price guarantee is a potentially a good money saver long term.

Things to consider when taking out insurance

Here are a few things to consider when looking for an insurance policy or package to suit you.

Is your property specialist?

If you own a listed building or if your property has an unusual feature such as a thatched roof, you may need specialist cover.

Do you need buildings and content cover?

While it’s generally advised that you take out both, it does depend on your individual circumstances. Insurance providers often provide individual policies as well as joint policies.

Does the policy provide enough cover?

All policies have their limits so you need to make sure that your home is covered for the rebuild value rather than the market value. It’s also worth costing your contents to make sure your chosen policy will be enough to cover it all.