Homeowners insurance

Nationwide's Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

Ways to save on your homeowners insurance

Nationwide offers a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. They not only cover your home, but also you, your family and your personal belongings.


Nationwide's Homeowner Discounts

Nationwide's Homeowner Discounts

Multi-policy Combine and save. Get a discount on home and renters insurance when you bundle your property and auto insurance with Nationwide.
Protective device Get a discount if your home has smoke detectors, fire alarms, burglar alarms or other qualifying devices.
Claims-free You may qualify for a lower premium on your home insurance when you stay claims-free.
Home renovation credit Get a discount for renovating your home’s plumbing, heating, cooling or electrical systems.
Roof rating Save based on your roof's age and surface type.
Home purchase Receive a discount if you purchased a home within the last 12 months.
Prior insurance This discount is available to new members and is based on the number of years you were continuously insured by your previous carrier.
Gated community A discount is available when all vehicle entrances to your community are protected at all times by

Standard Coverages:

  • Dwelling Coverage

    Helps protect your home's structure, built-in appliances and wall-to-wall carpet from damage.

  • Contents

    Helps cover your personal property not attached to or built into your home, such as furniture and clothing.

  • Personal liability

    If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.

  • Medical payments to others

    May help pay for medical or funeral expenses of someone who is injured on your property.

  • Ordinance or law insurance

    May help pay to rebuild your home to current building codes after a covered loss.

  • Other structures

    Covers additional structures not attached to your house, such as a shed, fence, barn, detached garage or gazebo.

  • Loss of use

    Coverage to help pay for additional living expenses if you're unable to live in your home due to a covered loss.

  • Credit card coverage

    Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. Also applies to forged checks and counterfeit money.

Optional Coverages:

  • Identity theft

    Helps keep personal data secure amid a growing number of risks and cybercrimes.

  • Valuables Plus

    Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.

  • Dwelling Replacement Cost

    Can pay up to two times your dwelling coverage limit if your home needs to be rebuilt after a loss.

  • Water backup

    Provides coverage if water backs up through your sewer, drains or your sump pump overflows.

  • Earthquake

    Provides coverage for earthquake damage. A separate deductible applies.

  • Flood insurance

    This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.

When it comes to protecting your assets, we make the grade.


received 10/17/2002
affirmed 12/22/21


received 12/22/2008
affirmed 5/7/21


received 3/10/2009
affirmed 5/27/2020

Find out which plan is right for you
Policies are customized according to your needs. We have simplified the process to help you find the right policy that fits your budget and loved ones.
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