Updated: December 2, 2025
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Average Annual Premium
Number of Endorsements
Number of Discounts
Nationwide scores 4.17 out of 5 for customer experience and ranks 7th nationally.
Nationwide holds the 11th spot for affordability and costs $3,341 per year for $250,000 in dwelling coverage.
Nationwide offers 10 optional coverages, including identity theft protection and service line coverage.
Out of 14 providers, Nationwide holds the 11th position nationally, determined by balancing affordability, customer service and coverage. Nationwide performs differently across evaluation categories, showing particular strength in customer experience.
Check the table below for Nationwide's scores out of 5 and national rankings in each category based on a sample homeowner profile to compare against the best homeowners insurance options.
| Overall | 4.11 | 11 |
| Affordability | 4.42 | 11 |
| Customer Experience | 4.17 | 7 |
| Coverage | 2.82 | 11 |
*Scores are based on a 2,500-square-foot home, a $250,000 dwelling protection coverage and a $1,000 deductible.
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 selection affect your premium, along with other factors such as your square footage, fire risk zone and claim-free history. Review the table below to identify cheap home insurance options from Nationwide that match your specific coverage requirements.
| $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 |
Your location significantly 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.
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.
You can access nine money-saving discounts through Nationwide, but eligibility depends on your state, so verify options with your insurance agent before purchasing. Review the table below for details on each available discount.
Smart Home | Save on premiums by installing smart home technology that helps prevent costly damages, though availability varies by state. |
Multi-Policy | Bundle your home and auto insurance with Nationwide to save an average of $1,032. |
Protective Device | Reduce your premium when your home has smoke detectors, fire alarms, burglar alarms or other qualifying safety devices. |
Claims-Free | Qualify for lower rates when you maintain a claims-free history. |
Home Renovation Credit | Earn savings by renovating your home's plumbing, heating, cooling or electrical systems. |
Roof Rating | Get discounts based on your roof's age and surface type. |
Home Purchase | Receive savings if you bought your home within the last 12 months. |
Prior Insurance | New members save based on the number of years you maintained continuous coverage with your previous insurer. |
Gated Community | Qualify for reduced rates when all vehicle entrances to your community have 24/7 protection through security guards, residence cards or key-lock devices. |
Standard home insurance from Nationwide covers six essential protections that address property damage, personal belongings and liability risks. The list below shows what home insurance covers in Nationwide's policies.
Dwelling coverage covers the cost to repair or reconstruct your home's physical structure following covered perils such as storms, fire or vandalism.
Other structures coverage pays for damage to detached structures on your property like garages, sheds, fences, gazebos and detached workshops.
Personal property coverage covers the cost to replace your possessions like furniture, electronics, clothing and household items after theft or covered damage.
Personal liability coverage covers costs when you're legally responsible for injuries to others or damage to their property. The coverage includes attorney fees, medical expenses and settlement payments.
Medical payments coverage pays for minor medical expenses when guests get injured on your property, regardless of fault. This coverage typically handles small bills like emergency room visits and ambulance fees.
Loss of use coverage pays for temporary housing expenses like hotel costs and meals if your home becomes uninhabitable after a covered loss. This coverage also handles additional living expenses such as laundry services, pet boarding and transportation costs.
Nationwide offers 10 endorsements to enhance your standard coverage, though availability varies by state. Endorsements are additional coverage options that you can add to your base policy to protect specific risks or higher-value items. The table below outlines each optional coverage Nationwide provides.
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. |
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.
Standard 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.
Deliberate 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.
Normal 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.
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.
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.
Request a quote on Nationwide's website by entering your home details and coverage preferences. You can also contact a Nationwide agent who will gather information and provide personalized quote options.
Evaluate various coverage tiers and deductible choices to understand pricing differences. Examine policy details, optional coverages and exclusions to match coverage with your specific needs.
Ask about all available discounts like smart home, protective device and claims-free savings. Provide documentation for qualifying discounts such as home renovation receipts or prior insurance history.
Read through your policy documents carefully to confirm coverage limits, deductibles and exclusions match your needs. Complete the application and make your first premium payment to activate coverage.
Nationwide accepts home insurance claims through three channels: its website portal, mobile app and phone line. Learning how homeowners insurance claims work prepares you to file efficiently and receive your claim payment quickly.
Contact Nationwide immediately after damage occurs by filing online, using the mobile app or calling the claims hotline. Provide basic information about when and how the damage happened, plus your policy number.
Photograph and record video evidence of every damaged area and item for your claim file. Write down specifics about each damaged belonging, including purchase dates and replacement costs.
A Nationwide claims adjuster will contact you to arrange an inspection of the damage. The adjuster examines your property, assesses repair costs and determines coverage under your policy terms.
Nationwide sends a settlement offer based on the adjuster's assessment and your coverage limits. After you approve the settlement, you can hire contractors to complete repairs and submit receipts for reimbursement if needed.
Nationwide scores 4.11 out of 5 overall and ranks 11th nationally, balancing moderate affordability with solid 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 provides strong customer experience but scores lower on coverage options compared to competitors.
Review answers to 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:
Our ratings system for Nationwide consisted of the following scoring mechanisms:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
