This is a specialist page for Nationwide Home insurance and buildings contents insurance. Disclaimer The following details are not an endorsment of Nationwide Home insurance; we encourage you to shop around before you choose your home insurance provider.

• 25% discount when you buy buildings and contents insurance together.
  
• No extra charge for paying monthly by direct debit
  Better cover as standard;
  
• Unlimited buildings cover for eligible properties
  
• Accidental damage cover for home entertainment equipment
  
• Increased cover for birthdays, weddings and religious festivals e.g. Christmas
  
• Plus the following options are available:
  • Home emergency: 24 hour cover if an emergency occurs for £4 a month
    
  • Legal assistance: 24 hour access to a legal helpline for advice on personal legal matters for £1.25 a month
    
  • Accidental damage: Get cover for accidents around the house, e.g. dripping wax on the carpet

This a summary of the cover provided under the Nationwide Home Insurance policy .
For the full policy terms,conditions and exclusions please refer to your policy document and policy schedule.
Where this Policy Summary makes reference to Sections, these are the Sections in the policy document.
Insurer: Churchill Insurance Company Limited for Sections 1 to 6
DAS Legal Expenses Insurance Company Limited for Sections 7 and 8

Buildings Insurance Cover

Type of insurance	Insurance for your buildings (Section 1) The structure of your home, including: - outbuildings such as garages and sheds - permanent fixtures such as kitchen units, bathroom fittings and fitted wardrobes - garden walls, drives, footpaths, patios and decking.
Insurance for your buildings (Section 1)	What is covered - Fire - Storm or flood - Escape of water - Theft - Malicious damage - Subsidence - Legal liabilities you may face as a homeowner, up to £2 million Including: - Accidental damage to underground pipes and cables serving your home. - Accidental breakage of fixed glass, sanitary fittings and ceramic hobs. - Temporary accommodation if your home cannot be lived in following insured damage.	What is not covered Your policy will not pay for: - storm or flood damage to gates, hedges and fences. See page 11 of your policy document - the full cost of a claim if you have not maintained your property in a good state of repair. See page 18 of your policy document - loss or damage caused by theft or attempted theft, vandalism or acts of malicious persons or the escape of water or oil if your home is unfurnished for more than 30 consecutive days or unoccupied for more than 60 consecutive days and you have not complied with the conditions on page 55 of your policy document. Excesses You will have to pay the amount of any buildings excess or buildings subsidence excess shown in your policy schedule.
Optional extras	The following cover is an optional extra on your buildings insurance. Your policy schedule will show if you have chosen to include it.
Accidental damage (Section 2)	What is covered Additional accidental damage cover for accidents in your home such as putting your foot through the loft floor or spilling paint down the outside wall of your house while painting the windows.	What is not covered Your policy will not pay for: - any damage caused by domestic pets - any damage which happens gradually or - - is the result of wear and tear. See page 17 of your policy document Excesses You will have to pay the first £25 of any claim or the buildings excess shown in your policy schedule, whichever is the higher amount.

Contents Insurance Cover

Type of insurance	Insurance for your contents (Section 3) The new for old replacement of your home contents, including your: - household furniture, furnishings and goods, including non-permanent fixtures and fittings such as carpets and curtains - personal belongings in the home, garages and sheds - business office equipment, such as computers, if you work from home.
Insurance for your contents (Section 3)	What is covered - Fire - Storm or flood - Escape of water - Theft - Malicious damage Including: - Valuables in your home, such as jewellery, watches, pictures and works of art, up to the amount shown on your policy schedule (£2,000 limit for any one item) - Money in your home up to £500 - Pedal cycles in your home - Garden cover up to £1,000 - Accidental damage to TVs, DVD players, video recorders, home computers and audio equipment. -Downloaded information up to £1,000 -Spoilt fridge/freezer contents up to £500 - Temporary removal of contents, including student’s belongings, away from your home - Temporary accommodation if your home cannot be lived in following insured damage - Replacement locks and keys to doors and windows if the keys are lost or stolen, up to £500 - Public liability, up to £2 million - 10% temporary uplift in your contents sum insured for special events such as weddings.	What is not covered Your policy will not pay for: - damage caused by electrical or mechanical breakdown or failure. See page 22 of your policy document - loss or damage caused by theft or attempted theft while your home is let, part-let or lent to anyone, unless there is evidence of forcible and violent means being used to get in or out of your home. See page 20 of your policy document - loss or damage caused by theft or attempted theft, vandalism or acts of malicious persons or the escape of water or oil if your home is unoccupied for more than 60 consecutive days and you have not complied with the conditions on page 55 of your policy document. - the loss of, or loss of access to downloaded computer data due to an accident, erasure or computer virus. Excesses You will have to pay the amount of any contents excess shown in your policy schedule. What is not covered Your policy will not pay for: - any damage caused by domestic pets - any damage which happens gradually or - is the result of wear and tear. See page 32 of your policy document Excesses You will have to pay the first £25 of any claim or the contents excess shown in your policy schedule, whichever is the higher amount. The
Optional extras	The following covers are optional extras on your contents insurance. Your policy schedule will show if you have chosen to include any of them.
Accidental damage (Section 4)	What is covered Additional accidental damage cover for accidental breakage of items like vases and ornaments, as well as DIY disasters like spilling paint on carpets or furniture	What is not covered Your policy will not pay for: - any damage caused by domestic pets - any damage which happens gradually or - is the result of wear and tear. See page 32 of your policy document Excesses You will have to pay the first £25 of any claim or the contents excess shown in your policy schedule, whichever is the higher amount.
Personal Possessions (Section 5)	What is covered Loss of, or damage to, items that you normally take out of your home with you, such as jewellery, watches, cameras, sports and camping equipment, personal lap top computers and money. Cover applies anywhere in Europe and for up to 60 days elsewhere in the world. £2,000 single item limit for unspecified items of personal possessions. Specified items of personal possessions are covered up to the value shown in your policy schedule. Money is limited to £500.	What is not covered Your policy will not pay for: - any loss or damage which happens gradually or is the result of wear and tear. See page 35 of your policy document. - amounts over £750 for items stolen from an unattended motor vehicle, unless they are hidden from view in the boot, concealed luggage compartment or glove compartment and the vehicle has been broken in to. See page 36 of your policy document. - loss of, or damage to, sailboards - loss of, or damage to, sub-aqua - equipment while in use See page 35 of your policy document Specified items over £5,000 When taken outside or away from your home, any item specified in your schedule for more than £5,000 must be worn, used or carried by you or someone authorised by you, or be retained in a locked room, safe or strong room. If not, any claim will be restricted to £2,000. See page 36 of your policy document Excesses You will have to pay the first £25 of any claim or the contents excess shown in your policy schedule, whichever is the higher amount.
Pedal Cycles Away From The Home (Section 6)	What is covered Loss of, or damage to, your pedal cycles anywhere in Europe and for up to 60 days elsewhere in the world.	What is not covered Your policy will not pay for: - loss of, or damage to, pedal cycles left both unlocked and unattended when outside or away from your home - any loss or damage which happens gradually or is the result of wear and tear. See page 39 of your policy document Excesses You will have to pay the amount of any contents excess shown in your policy schedule.

Other Optional Insurance Covers

The following covers are available as optional extras on either your buildings or contents insurance.
Your policy schedule will show if you have chosen to include either or both of them

Legal Assistance (Section 7)	What is covered Legal costs up to £50,000 to negotiate your legal rights in the following situations: - Employment contract disputes - Goods or services contract disputes - Bodily injury or illness to you - Property disputes, including nuisance and trespass - Defence of prosecutions against you as an employee - Defence of motoring prosecutions - Defence of personal tax enquiries Plus loss of income that you can’t recover from elsewhere while attending jury service	What is not covered Your policy will not pay for: - any incident or matter arising before the start date of your cover - any claim reported to the insurer more than 180 days after you should have known about the incident - any costs you incur before the insurer has accepted your claim See page 46 of your policy document Chances of success Civil claims will only be considered if it is more likely than not that you will recover damages or make a successful defence. See page 42 of your policy document Excesses You will have to pay the first £250 of each claim relating to legal nuisance and trespass.
Home Emergency (Section 8)	What is covered Assistance for home emergencies that need immediate action by a tradesman to prevent damage or further damage, make your home safe or secure and alleviate unreasonable discomfort, risk or difficulty to you. Emergencies covered: - Roof damage - Plumbing and drainage problems - Main heating system failure - Domestic power supply failure - Toilet unit damage or failure - Damage to doors and windows - Loss of keys - Vermin infestation Cover is up to £500 (incl. VAT) in total for: - Call-out charges and 2 hours labour - Parts and materials up to £100 (incl. VAT).	What is not covered Your policy will not pay for: -any claim if the incident happened before the start date of your cover. - any claim which is covered under any other insurance, including other sections - - of this Home Insurance policy. See page 53 of your policy document. - any claim if your home is unfurnished for - more than 30 consecutive days or - unoccupied for more than 60 consecutive - days and you have not complied with the - conditions on page 55 of your policy - document. - any costs you incur before you have notified the insurer of a home emergency. See page 53 of your policy document - any normal day to day maintenance. See page 53 of your policy document

 

Duration of Policy	The policy term is 12 months as identified on your policy schedule.
Cancellation Period	If you change your mind about your policy, and provided you haven’t made a claim, you can cancel it within 14 days of your policy starting and have your premium refunded. For full details of your cancellation rights, please refer to page 60 of your policy document.
Claims	If you need to make a claim, other than for Legal Assistance and Home Emergency contact the Claims Advice Line on 08458 50 40 12. For Legal Assistance call 08458 50 40 14 and for Home Emergency call 08458 50 40 13.