*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible. These results are based on a standard homeowner profile. Your individual experience differs depending on your location, home value and coverage needs.
Nationwide Home Insurance Review
Updated: June 25, 2026
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Nationwide Home Insurance Ratings: MoneyGeek’s Review
Nationwide
MoneyGeek Rating
4.1/ 5
4.4/5Affordability
4.2/5Customer Experience
2.8/5Coverage Points
Average Annual Premium
$3,341Number of Endorsements
10Number of Discounts
9
How Much Does Nationwide’s Homeowners Insurance Cost?
The average cost of home insurance with Nationwide is $3,341 per year for $250,000 in dwelling coverage and $11,512 annually for $1 million in dwelling coverage.
Coverage level and deductible affect your premium, along with other factors like your square footage, fire risk zone and claim-free history. Check the table to find cheap home insurance options from Nationwide that match your coverage needs.
Data filtered by:
$1,000
| $100K Dwelling / $50K Personal Property / $100K Liability | $133 | $1,590 |
| $250K Dwelling / $125K Personal Property / $200K Liability | $278 | $3,341 |
| $500K Dwelling / $250K Personal Property / $300K Liability | $511 | $6,128 |
| $750K Dwelling / $375K Personal Property / $500K Liability | $740 | $8,877 |
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $959 | $11,512 |
Nationwide Homeowners Insurance Cost by State
Your location impacts Nationwide's home insurance rates due to weather patterns, construction expenses and state regulations. Costs for $250,000 in dwelling coverage range between $842 and $7,306 annually depending on your state.
Review the interactive map below to find Nationwide's rates in your area for coverage with $250,000 in dwelling protection and a $1,000 deductible.
| State | Average Annual Premium |
|---|---|
| Alabama | $4,217 |
| Arizona | $2,089 |
| Arkansas | $2,703 |
| California | $1,377 |
| Colorado | $6,387 |
| Delaware | $843 |
| District of Columbia | $1,113 |
| Florida | $6,309 |
| Georgia | $2,569 |
| Idaho | $1,749 |
| Illinois | $2,727 |
| Indiana | $2,130 |
| Iowa | $1,837 |
| Kansas | $4,680 |
| Kentucky | $2,784 |
| Maryland | $2,259 |
| Mississippi | $4,786 |
| Missouri | $2,584 |
| Montana | $3,069 |
| Nebraska | $4,895 |
| Nevada | $1,070 |
| New Hampshire | $1,538 |
| New York | $1,359 |
| North Carolina | $5,247 |
| Ohio | $1,786 |
| Oregon | $1,114 |
| Pennsylvania | $2,008 |
| Rhode Island | $2,222 |
| South Carolina | $3,851 |
| South Dakota | $3,795 |
| Texas | $7,306 |
| Utah | $1,349 |
| Virginia | $2,325 |
| Washington | $1,280 |
| West Virginia | $1,448 |
| Wisconsin | $1,576 |
Note: Data above is for states in which MoneyGeek was able to collect data. It is not reflective of the company's availability in the state.
Nationwide Homeowners Insurance Discounts
Nationwide offers nine discounts, though not all are available in every state. Check with your agent to confirm which ones you qualify for before buying a policy. The table below breaks down each option.
Smart Home | Installing smart home technology can lower your premium, though availability varies by state. |
Multi-Policy | Bundle home and auto with Nationwide to save an average of $1,032. |
Protective Device | Smoke detectors, fire alarms, burglar alarms and other qualifying safety devices can reduce your premium. |
Claims-Free | A claims-free history qualifies you for lower rates. |
Home Renovation Credit | Updating your home's plumbing, heating, cooling or electrical systems earns you savings. |
Roof Rating | Your roof's age and surface type determine your discount amount. |
Home Purchase | Buying your home within the last 12 months qualifies you for savings. |
Prior Insurance | New members save based on how many years of continuous coverage they maintained with their previous insurer. |
Gated Community | Living in a community where all vehicle entrances have 24/7 protection through security guards, residence cards or key-lock devices qualifies you for reduced rates. |
What Does Nationwide Homeowners Insurance Cover?
Standard Nationwide home insurance includes six coverage types spanning property damage, personal belongings and liability. The list below shows what home insurance covers in Nationwide's policies.
Dwelling Coverage | Dwelling coverage pays to repair or reconstruct your home's physical structure after covered perils like storms, fire or vandalism. |
Other Structures Coverage | Other structures coverage pays for damage to detached structures on your property, including garages, sheds, fences, gazebos and detached workshops. |
Personal Property Coverage | Personal property coverage pays to replace possessions like furniture, electronics, clothing and household items after theft or covered damage. |
Personal Liability Coverage | Personal liability coverage pays costs when you're legally responsible for injuries to others or damage to their property, including attorney fees, medical expenses and settlement payments. |
Medical Payments Coverage | Medical payments coverage pays minor medical expenses when guests get injured on your property, regardless of fault, covering bills like emergency room visits and ambulance fees. |
Loss of Use Coverage | Loss of use coverage pays for temporary housing like hotel costs and meals if your home becomes uninhabitable after a covered loss, along with additional living expenses such as laundry services, pet boarding and transportation costs. |
Optional Home Insurance Coverages from Nationwide
Nationwide offers 10 endorsements to strengthen your standard coverage, though availability varies by state. These add-ons protect against specific risks or cover higher-value items beyond what your base policy includes. The table below outlines each option.
Brand New Belongings® | Pays the depreciated value of damaged or stolen items first, then reimburses the difference after you buy replacements or complete repairs and submit receipts. |
Better Roof Replacement® | Covers stronger, safer roofing materials to rebuild your roof after a covered loss. |
Identity Theft | Protects your personal data against growing cybercrime risks and identity theft incidents. |
Dwelling Replacement Cost | Pays up to twice your dwelling coverage limit if rebuilding costs exceed your original limit after a covered loss. |
Water Backup | Covers damage when water backs up through your sewer or drains, or when your sump pump overflows. |
Earthquake | Provides protection for earthquake damage with a separate deductible. |
Flood Insurance | Covers your house and contents from flood damage through a separate policy with its own deductible. |
Valuables Plus® | Extends coverage for high-value possessions such as jewelry, watches, antiques and fine art. |
Service Line | Covers damage to exterior underground service lines that supply water, gas and electricity to your home. |
Equipment Breakdown Coverage | Pays for appliance repairs or replacements when electrical, mechanical or pressure systems break down. |
What Does Nationwide’s Home Insurance Not Cover?
Nationwide's standard home insurance excludes specific perils and situations that either require specialty policies or violate coverage terms. Major natural disasters and self-inflicted damage fall outside your policy's protection.
Natural Disasters and Earth MovementStandard policies exclude damage from floods and earthquakes because these events cause widespread, catastrophic losses. You need separate flood insurance and earthquake coverage to protect against these natural disasters.
Intentional or Neglected DamageDeliberate property destruction and damage from neglecting necessary repairs aren't covered under your policy. Coverage applies only to accidental, sudden events, not intentional acts or maintenance failures.
Gradual DeteriorationNormal aging, rust, mold from ongoing moisture problems and mechanical breakdown from regular use aren't covered. Insurance handles unexpected damage, not routine maintenance issues or natural aging.
How to Buy Nationwide’s Homeowners Insurance
Nationwide sells homeowners insurance online through its website and through independent agents who can guide your coverage decisions. Either purchase method helps you buy a home insurance policy that matches your protection needs and budget.
- 1Calculate Your Coverage Amount
Figure out the home insurance coverage limits you need based on reconstruction costs and your personal property value. A detailed home inventory helps you assess how much coverage your possessions require.
- 2Request a Quote
Enter your home details and coverage preferences on Nationwide's website for an online quote. Or call a Nationwide agent who can give you personalized options based on your property.
- 3Compare Your Options
Review different coverage levels and deductibles to see how prices change. Check what's covered, what's optional and what's excluded to pick the right policy.
- 4Get Discounts
Ask which discounts you qualify for: smart home, protective devices or claims-free history. Submit proof like renovation receipts or your previous insurance records.
- 5Finalize Your Policy
Read your policy to confirm the coverage limits, deductibles and exclusions work for you. Fill out the application and pay your first premium to start coverage.
Nationwide Home Insurance Review: Bottom Line
Nationwide scores 4.11 out of 5 overall and ranks 11th nationally, balancing moderate affordability with strong customer service. The company charges $3,341 annually for $250,000 in dwelling coverage.
Nationwide offers 10 optional coverages like Brand New Belongings® and equipment breakdown protection, plus nine discounts including smart home savings and claims-free rewards. The company gives you strong customer experience but scores lower on coverage options compared to competitors.
Nationwide Home Insurance: FAQ
We answer common questions about Nationwide's homeowners insurance coverage, costs and policy features.
Nationwide scores 4.11 out of 5 overall and holds the 11th position among 14 national providers. The insurer excels in customer experience, ranking 7th with a 4.17 score, but falls to 11th place for coverage with a 2.82 score. The company works well for homeowners seeking reliable customer support and discount options rather than the widest range of endorsements.
Nationwide charges an average of $3,341 annually for $250,000 in dwelling coverage with $125,000 personal property and $200,000 liability coverage. Rates vary based on your location, home age, credit score, claims history and chosen deductible. Costs range from $1,590 per year for $100,000 in dwelling coverage to $11,512 annually for $1 million in dwelling coverage.
Nationwide provides nine discounts including smart home technology, multi-policy bundling, protective devices, claims-free history, home renovation credits, roof ratings, home purchase, prior insurance and gated community savings. Discount availability varies by state, so contact a Nationwide agent to confirm which savings apply to your policy.
You can add 10 endorsements to your Nationwide policy: Brand New Belongings®, Better Roof Replacement®, identity theft protection, dwelling replacement cost, water backup, earthquake coverage, flood insurance, Valuables Plus®, service line and equipment breakdown coverage. Each endorsement addresses specialized needs such as protecting valuable jewelry, covering underground utility lines or paying extra for roof upgrades. Check with your agent about state-specific availability.
Nationwide's standard policy excludes floods, earthquakes, intentional damage, neglect and normal wear and tear.
We used the following base profile to determine rates for Nationwide and judge its affordability:
- Middle-aged homeowner (41 to 60)
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.
Sources
- Nationwide. "Homeowners Insurance Discount." Accessed July 19, 2026.
- Nationwide. "Homeowners Insurance Coverage." Accessed July 19, 2026.