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What to Know
Nationwide sells homeowners policies in 43 states and Washington, D.C. That list excludes Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey and New Mexico. Nationwide home insurance policies offer discounts for smart-home devices and devices that help prevent electrical fires.
Nationwide
Best for Smart Homes- Discounts
- 9
- Online Quotes
- Online Policy Purchase
Why We Like Nationwide
Nationwide is our pick for the best home insurance company for smart homes. Its Smart Home and Protective Device discounts can lower the cost of a policy for a home with safety devices, and in most states the policy includes complimentary Ting electrical-fire monitoring. Policies also include some credit and debit card fraud protection, and you can add identity theft coverage on top of that.
Pros and Cons
Pros
- Online policy purchases
- Online claims filing
Cons
- Not sold in 7 states
Solvable's Take on Nationwide Homeowners Insurance
Nationwide pays off for homeowners who use its slate of options. Several of the company's discounts match common situations. If you've added smart-home devices, you may qualify for the Smart Home discount. If you bought the house within the last 12 months, you may qualify for the Home Purchase discount.
A newer roof may count toward the Roof Rating discount, and putting home and auto together may earn you the Multi-policy discount. The Home Purchase discount only applies in the first 12 months after you buy, so it helps most in the year you close and then disappears. The add-on list is long. It includes extended replacement cost coverage and Brand New Belongings, which help close the gap between what a policy pays and what rebuilding or replacing actually costs, plus Better Roof Replacement.
You can get a quote, buy a policy and file a claim online. A water backup coverage add-on is available if you're worried about sewer water backing up into your home through the drains.
Flooding, earthquakes and landslides are excluded.
If you're ready to get a quote for a Nationwide policy, add all of the coverage you need – including any add-ons. Compare the quote to those from other insurers at the same coverage levels.
Nationwide Homeowners Insurance Discounts
Discount eligibility varies by state and by home, so ask which discounts apply when you get a quote. Several, including the smart home discount, reward things you may already have done.
- Smart Home
- Multi-policy
- Protective Device
- Claims-Free
- Home Renovation Credit
- Roof Rating
- Home Purchase (within 12 months)
- Prior Insurance
- Gated Community
Nationwide Homeowners Insurance Coverage
Dwelling
Dwelling coverage pays to repair or rebuild the house itself after a covered loss. Nationwide's policy also includes ordinance or law coverage, which helps pay to bring repairs up to current building code.
Other Structures
Other structures coverage pays for detached structures on your property, such as a fence, shed or detached garage.
Personal Property
Personal property coverage pays for your belongings, such as furniture, clothing and electronics, when a covered loss damages or destroys them.
Loss of Use
Loss of use coverage pays for extra living costs, such as a hotel or short-term rental, while a covered loss leaves your home uninhabitable.
Personal Liability
Personal liability coverage pays if you're found responsible for someone else's injury or for damage to their property.
Medical Payments
Medical payments coverage pays minor medical bills for guests hurt on your property, regardless of who was at fault.
Frequently Asked Questions
Is Nationwide home insurance good?
Nationwide home insurance is a solid fit for homeowners in the 43 states plus D.C. where it's sold, especially those who'll take advantage of its smart-home and protective-device discounts.
Where is Nationwide home insurance not available?
Nationwide doesn't sell homeowners insurance in Alaska, Florida, Hawaii, Louisiana, Massachusetts, New Jersey or New Mexico.
Does Nationwide offer a discount for bundling home and auto?
Yes. Nationwide's profile lists a Multi-policy discount for combining your home policy with another Nationwide insurance product, such as auto.
Does Nationwide homeowners insurance cover water backup or flooding?
Standard policies exclude backed-up sewers and drains, as well as flooding. You can add water backup coverage as a separate add-on.
