Get QuoteSecure site · Updated July 2026
- Avg. monthly premium
- $121
- Coverage types
- Home, Condo, Renters, Landlord
- Bundling discount
- Up to 20%
- Availability
- 43 states
Why it stands out
Nationwide highlights
- Brand New Belongings replaces items at full cost
- Better Roof Replacement uses stronger materials after a covered loss
- Optional water backup and ordinance coverage
- On Your Side Review checks your coverage yearly
The verdict at a glance
Pros and cons
Pros
- Valuable coverage extras included as standard
- Flexible add-ons for older homes and roofs
- Solid bundle savings with auto and life
Cons
- Not available in a handful of states
- Discount lineup is thinner than top rivals
- Claims satisfaction lands slightly below average
Our full review
Our take on Nationwide
Nationwide throws in coverage that competitors treat as upgrades, including Brand New Belongings replacement-cost protection and free Better Roof Replacement on qualifying policies. It is a solid middle ground for owners who want extras without hunting for add-ons.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Nationwide’s own site before you apply.
The alternatives
How Nationwide compares
Other top-rated insurers in Home Insurance. Compare the numbers side by side before you decide.
| # | Provider | Rating | Avg. monthly premium | Best for | |
|---|---|---|---|---|---|
| 1 | Lemonade | $92 | Renters and homeowners who want it digital | Get Quote | |
| 2 | State Farm | $118 | Owners who want an agent down the street | See Rates | |
| 3 | Allstate | $126 | Buyers who stack every discount available | See Rates | |
| 4 | Amica | $134 | Owners who prize claims-handling quality | Get Quote |
- Lemonade4.9Best for Renters and homeowners who want it digital
- State Farm4.7Best for Owners who want an agent down the street
- Allstate4.5Best for Buyers who stack every discount available
- Amica4.4Best for Owners who prize claims-handling quality