*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: April 23, 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
| $1MM Dwelling / $500K Personal Property / $1MM Liability | $959 | $11,512 |
| $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 |
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.
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
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. |
What Does Nationwide Homeowners Insurance Cover?
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 | 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 | Other structures coverage pays for damage to detached structures on your property like garages, sheds, fences, gazebos and detached workshops. |
Personal Property Coverage | 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 | 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 | 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 | 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. |
Optional Home Insurance Coverages from Nationwide
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. |
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 Movement
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.
Intentional or Neglected Damage
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.
Gradual Deterioration
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.
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.
Is Nationwide home insurance good?
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.
How much is home insurance with Nationwide?
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.
Does Nationwide offer discounts on homeowners insurance?
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.
What optional coverages can you add to a Nationwide home insurance 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.
What does Nationwide home insurance not cover?
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 analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.
He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.
His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.
Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!
Sources
- Nationwide. "Homeowners Insurance Discount." Accessed May 8, 2026.
- Nationwide. "Homeowners Insurance Coverage." Accessed May 8, 2026.