Nationwide Home Insurance provides homeowners with coverage designed to protect their home, personal belongings and financial interests against covered losses. A standard Nationwide homeowners policy can include dwelling coverage, personal property coverage, liability protection, other structures coverage and additional living expenses. The specific protections, limits and exclusions depend on the policy and state.
One of Nationwide's strongest features is its focus on rebuilding-cost protection. Forbes Advisor currently gives Nationwide a 4.3/5 rating and identifies it as a strong option for rebuilding coverage. Eligible policies can include extended replacement-cost protection, while certain policies may also offer guaranteed replacement-cost coverage. These features can provide additional financial protection when the cost of rebuilding a damaged home exceeds the original dwelling coverage limit.
Nationwide also offers Brand New Belongings®, which can help eligible policyholders repair or replace covered personal possessions regardless of their age or condition, subject to policy terms. The company also provides several discounts designed to help homeowners reduce premiums, including savings opportunities related to home security and protective devices.
Bundling is another potential advantage. Customers may be able to combine homeowners insurance with other Nationwide policies, such as auto, to simplify policy management and potentially qualify for additional savings. Nationwide also provides online quoting and digital tools that allow customers to obtain a quote and manage their insurance information.
Pricing is relatively competitive compared with many major insurers. Forbes Advisor's 2026 analysis places Nationwide's average cost at $2,022 per year for $350,000 of dwelling coverage, below the national average of $2,720 for the same coverage level.
However, Nationwide homeowners insurance is not available in every state, and coverage options can vary by location. Customers should also remember that standard homeowners insurance generally does not cover every type of property loss, such as certain flood or earthquake damage. Reviewing the policy's exclusions, deductibles and coverage limits before purchasing is important.
