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Coverage Options: What Nationwide Protects
Nationwide offers a well-rounded standard homeowners policy (HO-3) that includes all the core protections most homeowners need, plus several features that competitors often charge extra for.
Standard Coverage Included in Every Policy
Every Nationwide homeowners policy comes with the following baseline protections:
| Coverage Type | What It Does |
|---|---|
| Dwelling Coverage | Repairs or rebuilds the structure of your home after a covered loss |
| Other Structures | Covers detached buildings like fences, sheds, and garages |
| Personal Property | Protects your belongings — furniture, electronics, clothing |
| Personal Liability | Covers legal and medical costs if someone is injured on your property |
| Medical Payments | Pays for minor injuries to guests on your property ($1,000–$5,000) |
| Loss of Use | Pays for temporary housing and living expenses if your home is uninhabitable |
| Ordinance or Law | Brings your rebuilt home up to current building codes at no extra cost |
| Credit Card Coverage | Protects against unauthorized transactions (up to $500; upgradeable to $10,000) |
Nationwide's Standout Optional Add-Ons
What truly separates Nationwide from basic insurers is its menu of optional coverage upgrades. These endorsements give policyholders the ability to tailor their protection well beyond the standard policy.
Brand New Belongings® — This is one of Nationwide's most compelling add-ons. Instead of paying you the depreciated value of a damaged or stolen item, Nationwide pays to replace it with a brand-new equivalent. For example, if a 5-year-old TV is destroyed, you get a new TV — not $150 for the old one.
Better Roof Replacement® — After a covered loss, Nationwide rebuilds your roof using stronger, impact-resistant qualifying materials rather than just replacing it with equivalent materials. This can significantly reduce future storm damage and may even lower your premium over time.
Other Notable Add-Ons:
- Water Backup Coverage — Covers damage from backed-up drains or overflowing sump pumps
- Service Line Coverage — Pays for underground utility line repairs and excavation costs
- Equipment Breakdown Coverage — Repairs appliances after mechanical, electrical, or pressure failures
- Valuables Plus — Extra protection for high-value items like jewelry, fine art, and collectibles
- Identity Theft Coverage — Monitoring services plus resolution assistance
- Earthquake Coverage — Available as an endorsement in most states
Nationwide also provides a free Ting smart sensor in many states — a device that monitors your home's electrical system for fire risks. It comes with five years of monitoring service and up to $1,000 in electrical repair coverage if an issue is detected. Learn more about comprehensive home insurance coverage options to understand how these add-ons compare to HO-5 open perils policies.
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Nationwide Home Insurance Cost vs. Competitors
Nationwide home insurance is generally priced above the national average, but the gap varies significantly by state and coverage level. Here's how it stacks up against major competitors for a $300,000 dwelling policy:
Average Annual Premium Comparison (2026)
| Insurance Company | Average Annual Premium | Notes |
|---|---|---|
| Nationwide | $2,748 – $3,345 | Varies by source/methodology |
| State Farm | $2,415 – $2,856 | Competitive in most states |
| Allstate | $2,292 – $3,814 | Wide range by state |
| USAA | $1,642 – $1,940 | Military/veterans only |
| National Average | $2,424 – $2,592 | Benchmark comparison |
Nationwide consistently runs higher than the national average and most competitors in national analyses. However, in certain states like Washington and Oregon, Nationwide can be surprisingly competitive — sometimes offering annual premiums as low as $690–$887 for a $300,000 dwelling.
Nationwide vs. State Farm: Head-to-Head
When comparing Nationwide vs. State Farm home insurance, the two are close competitors in terms of pricing. State Farm edges out Nationwide in most states on pure price, but Nationwide offers more unique coverage features like Brand New Belongings® and Better Roof Replacement® that State Farm doesn't match. For homeowners who want richer coverage features and are willing to pay a modest premium for them, Nationwide can be the better long-term value. See our full State Farm vs Allstate home insurance comparison to understand how the broader competitive landscape looks.
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Protect what matters most with award-winning home insurance.
Discounts, Bundling & How to Save With Nationwide
Nationwide offers one of the more comprehensive discount menus in the industry. Stacking multiple discounts is the fastest way to close the gap between Nationwide's above-average base premiums and what you'd pay at cheaper competitors.
Available Discounts at a Glance
| Discount | Estimated Savings |
|---|---|
| Multi-Policy (Bundle Home + Auto) | Up to 15% or ~$1,032/year |
| New Home Purchase (within 12 months) | Up to 58% in some cases |
| Paid-in-Full | ~7% |
| Water Safety System | ~8% |
| Sprinkler System | ~5% |
| Smoke/Fire Alarm | ~3% |
| Burglar Alarm | ~3% |
| Newer Roof | Varies |
| Claims-Free | Varies by tenure |
| Smart Home Devices | Varies by state |
| Gated Community | Varies |
| Continuous Insurance / Loyalty | Varies |
Bundling: Nationwide Car and Home Insurance
The Nationwide car and home insurance bundle is consistently one of the best ways to reduce your total insurance spend. Combining both policies under Nationwide can save you an average of $1,032 per year — or up to 15% on your premiums. This is a compelling reason to consider Nationwide even if their base home insurance rate is slightly higher than a standalone competitor. Learn about all available home insurance discounts to make sure you're stacking every savings opportunity.
Vanishing Deductible (Auto Only — Know the Difference)
It's important to note: Nationwide's Vanishing Deductible program applies to auto insurance only, not home insurance. For auto, it reduces your deductible by $100 for every claim-free year, up to $500 total. Nationwide does not currently offer a diminishing deductible program for homeowners policies. If a declining deductible on your home policy is important to you, consider reviewing our Farmers home insurance review, which offers a comparable loyalty benefit.
Ratings, Claims Experience & Who Should Choose Nationwide
Financial Strength & Customer Satisfaction Ratings
Nationwide earns strong marks from financial rating agencies and performs competitively — though not exceptionally — on customer satisfaction surveys.
| Rating Source | Nationwide Score | Context |
|---|---|---|
| AM Best (Financial Strength) | A+ (Superior) | Very strong ability to pay claims |
| J.D. Power Home Insurance Study (2025) | 641 / 1,000 | 8th out of 28 insurers; industry avg: 642 |
| J.D. Power Property Claims Satisfaction (2025) | 720 / 1,000 | 5th out of major carriers |
| NAIC Complaint Index | Average | Near industry median |
The A+ AM Best rating is a strong signal of Nationwide's financial stability — meaning you can trust they'll be able to pay claims even during major catastrophic events. Their claims satisfaction ranking of 5th out of major carriers is genuinely above average and suggests a smoother-than-typical claims experience.
Nationwide's Agent-Based Model vs. Online-Only Competitors
Nationwide operates through a network of local insurance agents, which is fundamentally different from online-first competitors like Lemonade home insurance. Here's how the two models compare:
For homeowners who want guidance through the nuances of coverage selection and someone to call when a claim goes sideways, Nationwide's agent network is a genuine advantage. For tech-savvy buyers who prefer a quick digital experience and the lowest possible price, an online insurer may be a better fit.
Who Should Consider Nationwide?
Nationwide homeowners insurance is a strong fit for:
- Homeowners who bundle policies — The home + auto bundle makes Nationwide cost-competitive despite higher base premiums
- Homeowners wanting rich coverage features — Brand New Belongings® and Better Roof Replacement® offer protection most basic policies don't
- Buyers in competitive Nationwide states — Washington, Oregon, and other states where Nationwide's rates are below-average
- Homeowners who value local agent support — Especially during claims
- Those with newer homes or smart home devices — Discounts are readily available
Nationwide may not be the best fit if you live in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey, or New Mexico — where coverage isn't available. It's also worth comparing options if you qualify for USAA (military/veterans), as USAA consistently offers lower premiums. Check our guide to the best home insurance companies of 2026 to see how Nationwide ranks against the full field. If you're primarily focused on price, our guide on cheap home insurance strategies can help you squeeze more value from any carrier you choose.
Frequently Asked Questions
Is Nationwide good for home insurance?
Nationwide is a solid choice for homeowners who want comprehensive coverage with unique add-ons like Brand New Belongings® and Better Roof Replacement®. It earns an A+ financial strength rating from AM Best and ranks 5th in J.D. Power's Property Claims Satisfaction Study. While premiums run above average, bundling with auto insurance can make it cost-competitive. It's best suited for homeowners who value coverage quality and agent support over the lowest possible base rate.
How much does Nationwide home insurance cost?
The average annual cost of Nationwide home insurance ranges from approximately $2,748 to $3,345 for a $300,000 dwelling policy, depending on the data source and coverage assumptions. That's generally higher than the national average of $2,424–$2,592. However, costs vary significantly by state — in Washington and Oregon, for example, Nationwide's rates can fall well below average. Your specific premium depends on your home's age, location, construction, claims history, and chosen deductible.
What discounts does Nationwide home insurance offer?
Nationwide offers a wide range of discounts including bundling home and auto (up to 15% or ~$1,032/year), new home purchase (up to 58% in some scenarios), paid-in-full (7%), water safety systems (8%), protective devices like smoke alarms and sprinklers (3–5%), smart home devices, claims-free status, and loyalty discounts. Stacking multiple discounts is the most effective way to reduce your total premium. Not all discounts are available in every state.
Does Nationwide offer a vanishing deductible for home insurance?
No — Nationwide's Vanishing Deductible program applies exclusively to auto insurance, not homeowners policies. The auto program reduces your collision or comprehensive deductible by $100 for each claim-free year, up to $500 total. If a declining deductible on your home policy is a priority, you'll need to look at other carriers such as Farmers or American Family, which do offer diminishing deductible programs for homeowners.
In what states is Nationwide home insurance not available?
Nationwide home insurance is not available in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey, or New Mexico. It is offered in 44 states plus Washington, D.C. If you live in one of these excluded states, you'll need to explore alternative carriers. Use our home insurance comparison guide to find the best available options in your state.