Nationwide Home Insurance Review | Nationwide Home Insurance Rates | Nationwide Home Insurance Coverage | Nationwide Home Insurance Cost | See more details below.
For those who can afford it, Nationwide insurance is a good choice. The company often charges higher than normal premiums for Home insurance. Home insurance costs are somewhat higher than average.
For a full coverage auto insurance policy, Nationwide charges an average annual cost of $1,555, which is more expensive than the rates offered by two of the three other major insurers we looked at. The provider offers a wide range of discounts and coverage options for auto insurance, including one for purchasing multiple plans.
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Nationwide Home Insurance Quote Comparison
The cost of homeowners insurance from Nationwide is a little more than usual. The cheapest insurer, Allstate, charges an average of $256 less a year for all dwelling coverage limitations taken into account, despite rates being only 7% over average.
Home Insurance Quotes By Dwelling Coverage Amount
Gathering at least three quotations and comparing costs is the best approach to guarantee you get the lowest rates because insurance rates can vary significantly by region and kind of property.
Nationwide Homeowners Insurance Discounts
Numerous options are offered by Nationwide to clients for reducing the cost of their house insurance. Discounts consist of:
- Multipolicy discount
- Protective device discount for installing smoke detectors, fire alarms or burglar alarms
- Claims-free discount
- Home renovation credit after upgrading heating, cooling, plumbing or electrical systems
- Roof rating discount based on the building material and age of your roof
- Home purchase discount if you purchased your home within the last 12 months
- Prior insurance based on the number of years you were insured with your previous carrier
- Gated community discount if vehicle entrances to your community are protected by key-lock devices, residence cards or security guards
Nationwide Home Insurance Coverage
Nationwide provides all the fundamental homeowner insurance coverages, including personal liability, medical payments, and housing coverages, that you would anticipate from an insurer.
A few more difficult-to-find coverages and add-ons are also available, such as better roof replacement, identity theft coverage, and replacement cost plus.
|Coverage||What it covers||Included or optional?|
|Brand new belongings||Upgrades your contents coverage to replacement cost so that you can fix any damaged items or replace them with newer ones||Optional|
|Better roof replacement||Rebuilds your roof with stronger, safer materials after a covered loss||Optional|
|Identity theft||Protects personal data from cybercrimes and other risks||Optional|
|Valuables plus||Additional coverage for high-value items like fine art, jewelry and antiques||Optional|
|Replacement cost plus||Covers your home for up to an additional 20% of the dwelling value if it needs to be rebuilt after a loss||Optional|
|Water backup||Covers damage caused by water backup through the sewer or drains, or sump pump overflow||Optional|
|Earthquake insurance||Coverage for damage associated with earthquakes||Optional, additional deductible applies|
|Flood insurance||Coverage for damage associated with floods||Optional, separate policy with additional deductible|
|Dwelling||Covers physical damage to your home’s structure||Included|
|Contents||Covers your personal property, such as furniture, clothing and electronics||Included|
|Personal liability||Covers bodily injury or property damage that you are liable for||Included|
|Medical payments to others||Covers medical expenses for someone who is injured on your property, regardless of fault||Included|
|Ordinance or law insurance||Covers upgrades required to bring your home up to current building codes after a covered loss||Included|
|Other structures||Covers structures not attached to your house, like a shed, detached garage or barn||Included|
|Credit card coverage||Covers unauthorized charges to your credit or debit card, forged checks and counterfeit money up to a selected limit||Included|
Nationwide Homeowners Insurance Availability
In addition to Washington, D.C., Nationwide offers house insurance in 43 other states.
|Colorado||Connecticut||Delaware||District of Columbia|
|New Hampshire||New York||North Carolina||North Dakota|
|Rhode Island||South Carolina||South Dakota||Tennessee|