Nationwide Home Insurance

You can procure affordable Nationwide home insurance and great coverage when you shop online. This company has been been providing insurance products since 1926 but despite its name it doesn't provide nationwide coverage. You can't buy Nationwide home insurance if you live in Alaska, Hawaii, Louisiana, or Massachusetts. If you do live in a covered state, you will have access to extra coverage options that can protect your not only your belongs but you identity as well.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 1, 2022

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The Highlights

  • Nationwide does not provide home insurance nationwide
  • You can purchase identity theft protection through Nationwide
  • Even renters or condo owners can purchase policies to protect their belongs through Nationwide

Nationwide Insurance is one of the best homeowners insurance companies in the industry and has long been in the business of helping homeowners get the financial help they need when calamity strikes. Having adequate protection to protect your home and your belongings is vital, so if you have just bought your first home or are thinking of searching for a better insurance policy, the Nationwide home insurance company may be able to help you, too.

Nationwide home insurance rates are nothing to sneeze at either. With Nationwide, you could get the coverage you need at the rates you want.

Keep reading to learn more about this illustrious company and the coverage options that it can offer you.

You do not have to wait to start comparing home insurance rates. Enter your ZIP code to get free home insurance quotes so you can find the best policy for you right away.

Is Nationwide a reliable home insurance company?

Nationwide has been providing reliable home insurance products to those who need it for quite some time — since 1926 in fact, and it has an A+ rating from A.M. Best to boot. Of course, knowledge is power, which means that there is no harm in reading some Nationwide home insurance reviews so you can discover what other homeowners think of their day-to-day experiences with this company.

Even if you do not live in a traditional single-family home, you can get the protection you need for your belongings and precious family heirlooms through Nationwide with a renter’s or condo insurance policy.

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When you request a Nationwide home insurance quote, you may be shocked to discover that ordinance coverage, also known as law coverage, comes standard with each policy. If you own an older home, this is particularly exciting because this coverage is designed to help you cover the costs of bringing your home up to modern building codes. While there is a limit of up to 10% of your policy’s dwelling coverage, you can always choose to purchase a higher limit.

You will also have some protection if someone were to steal your debit or credit card or forge checks in your name. Nationwide home insurance automatically cover up to $500 in damages if such a loss were to occur. Just as you would if you want to increase your ordinance coverage, you can choose to increase your limits for a fee.

If you were to buy Nationwide home insurance, you could also decide to purchase coverage like:

  • Extended replacement cost
  • Brand-new belongings
  • Better roof replacement
  • Identity theft coverage
  • Additional valuables coverage
  • Water backup coverage

With extended replacement cost coverage, you would be able to increase the limit of your dwelling coverage by 20% if the estimated cost to rebuild your home after a covered loss was higher than expected, and if you chose to purchase brand-new belongs coverage, you would be able to either restore your possessions or be reimbursed for the cost of brand-new replacements.

This is an intriguing coverage option as most homeowners insurance policies only cover damaged items for their current, not original, value.

Another optional coverage that may interest some homeowners is the better roof replacement coverage. If your roof were to be damaged by a covered loss, you could be reimbursed for the cost of rebuilding the roof with higher-grade materials.

In this high-tech age, purchasing identity theft coverage from Nationwide could be well worth it. This extra layer of protection will monitor your personal data and could help you reach a quick resolution if your identity ever was stolen.

Of course, your identity is not the only valuable thing that your homeowner’s insurance works to protect. With additional valuables coverage, you can protect any high-value jewelry or art that you keep in your home.

Now, no one wants water running rampant through their home, but it if were to happen to you and you had water backup coverage, you would be covered for any damage caused by a backed-up drain or gushing sump pump.

How much does Nationwide home insurance cost?

You could potentially purchase a homeowners insurance policy for just $127 per month with Nationwide; however, you must remember that the rate for each homeowner will be as unique as the individual. Nationwide, like every other insurance company, uses an underwriting process to designate risk level to each person who applies for a quote.

The underwriting process requires you to share quite a lot of information about yourself as each bit of information can influence your rates. Your location does play quite a big role in your rate calculation though, so if you are curious as to how much you could pay for your home insurance, you can refer to this data table which illustrates the average rate for a homeowners insurance policy in each state:

Average Annual Home Insurance Rates by State

StatesAverage Annual Home Insurance Rates
Alabama$1,624
Alaska$1,291
Arizona$1,355
Arkansas$2,142
California$1,224
Colorado$1,899
Connecticut$1,184
Delaware$882
Florida$1,353
Georgia$1,713
Hawaii $501
Idaho$1,051
Illinois$1,322
Indiana$1,587
Iowa$1,502
Kansas$2212
Louisiana$1,813
Maine$956
Maryland$1,124
Massachusetts$1,307
Michigan$1,120
Minnesota$1,952
Mississippi$1,773
Missouri$2,251
Montana$1,770
Nebraska$2,816
Nevada$1,047
New Hampshire$839
New Jersey$751
New Mexico $1,408
New York$1,840
North Carolina$1,166
North Dakota$1,323
Ohio$1,164
Oklahoma$3,482
Oregon$756
Pennsylvania$758
Rhode Island$1,193
South Carolina$1,142
South Dakota$1,958
Tennessee$1,625
Texas$2,207
Utah$647
Vermont$686
Virginia$1,013
Washington$863
West Virginia$1,124
Wisconsin$986
Wyoming$1,263
National Average$1,393
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If the rates above have you quaking in your boots, do not worry. There are steps you can take to obtain affordable Nationwide home insurance.

Nationwide Home Insurance Discounts

While you can and should work to get your credit score as high as possible, there is an easier way to reduce your home insurance rates.

Most major insurance companies, Nationwide included, offer applicants discounts to make their rates work within their budgets. Every insurance company adds their own twist to the discounts offered, but if you are interested in purchasing a policy through Nationwide, you should check to see if you are eligible for the claims-free discount, the protective device discount, multi-policy discount, the roof rating discount, or the gated community discount.

Is Nationwide available nationwide?

As odd as it may sound, Nationwide home insurance is not available all throughout the United States. If you live in any of the states listed below, you can buy a Nationwide home insurance policy:

  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • District Of Columbia
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Now, if you do not see the state where you live listed here, you can always shop online to find local and reputable insurance companies that provide the coverage you need to protect your household. When shopping online, always request at least three quotes so you can compare the benefits and deficiencies of each policy against each other.

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Is filing a claim with Nationwide easy?

Nationwide may have been founded in the 1920s, but it has not fallen behind the times. If disaster has struck your home, you can file a claim by calling the Nationwide home insurance phone number, via the company website, or through the use of the Nationwide mobile app.

If you would like to file a claim online, you will simply need to have access to your Nationwide home insurance login information. Once you have filed your claim, you will be able to follow along with the claims process online as well.

What You Need to Know About Nationwide Home Insurance

Nationwide is a reliable company that, while it does not provide nationwide coverage, can get you the coverage you need if you do live in one of the states that this company services. This company has been in business for more than 80 years and offers extra coverage options that can help you secure maximum protection for your home and your belongings.

If you happen to live outside of Nationwide’s coverage areas, you can shop online to find the best insurance company for you.

If you want to see if Nationwide home insurance or another insurance company can save you money on your rates, enter your ZIP code to receive free quotes today.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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