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Protection Options

Consider insuring your home

Why is home insurance important?

Whether you are a first-time buyer or an existing homeowner, protecting your home is important. Having the right cover in place means that if anything was to happen, a fire, flooding or a water leak, you could be protected.

Having Buildings insurance is a condition of our mortgage offer, but you don’t need to buy it through NatWest and it doesn’t affect how much we’ll lend you.

We'll give £20 to one of three chosen charities for every new policy purchased

If you take out a new home insurance policy online by the 28th September, we will pay £20 to your choice of the following 3 charities: MacMillan Cancer Support, Alzheimer's Society or NSPCC for every new Standard, Elite or Renters policy (T&Cs and exclusions apply).

Premier insurance policies are excluded from this offer.

Home insurance options

Buildings and Contents Insurance

Combined buildings and contents insurance for home owners.

  • Cover for the inside and outside of your home
  • 10% increase of Contents Sum Insured for 30 days before and after certain special events
  • Simplify your outgoings with one policy instead of two

Buildings Insurance

Cover against incidents and emergencies that damage the structure of your home.

  • A practical precaution for homeowners
  • Know you have insurance in place
  • Includes cover for alternative accommodation if your home becomes uninhabitable following a valid claim

Contents Insurance

Flexible cover for loss and damage to your personal belongings.

  • Old contents replaced with new, regardless of wear and tear
  • 10% increase of Contents Sum Insured for 30 days before and after certain special events
  • Tailor the policy to suit your situation

Common customer questions…

Home insurance actions

When should I buy or review my insurance?

If it’s your home, your building insurance should be in place at the point you exchange contracts with the seller of the property as this is when you become legally obliged to buy.

How much should I insure my home for?

As you apply for buildings cover, you’ll be asked to enter a rebuild cost of your property. This is the cost you would have to pay to completely rebuild your home from ground up.

What does home insurance cost?

The cost of home insurance varies. For buildings, some of the key considerations that drive that cost will be the rebuild value and whether you live in an area prone to flooding.

Important information

We want to make sure that you get the cover you need. So before we carry on to your quote take some time to read, download and save these documents. For a summary of cover, any limitations and significant exclusions, please view the Insurance Product Information Document (IPID).

All okay? Get your quote

It could take you less than 5 minutes.

Existing home insurance customer?

For any help with your existing policy, refer to the manage your insurance page.

Privacy policy

Please note, we will share your personal details (i.e. policy start date and number, your name, postal and email addresses and contact telephone number) with our third parties, Direct Line Group and, if you have fulfilled any of our past offers, Marketing Lounge Partnership (MLP) who will keep your details on record for 6 months. For full details of our Privacy policy click here.