10 Reasons to Choose Nationwide for Your Homeowners Insurance

02/09/2025 tom

You’ve just bought your dream home, filled it with beloved possessions, and made countless memories inside. But have you taken steps to protect this valuable investment? That’s where homeowners insurance comes in – it’s your financial safety net against unexpected disasters, accidents, and liability issues that could otherwise deplete your savings.

Choosing the right insurance provider can feel overwhelming. You’ll want to consider:

Financial stability and reputation
Coverage options and flexibility
Claims process efficiency
Customer service quality
Available discounts
Policy customization options

Nationwide has earned its spot as a leading home insurance provider by excelling in these crucial areas. Whether you’re a first-time homeowner or looking to switch providers, we’ve got 10 compelling reasons why Nationwide should be your go-to choice for homeowners insurance.

From comprehensive coverage that protects both your home’s structure and your personal belongings to unique optional features like Brand New Belongings®, Nationwide offers the protection you need with the flexibility you want. Let’s dive into why thousands of homeowners trust Nationwide to protect their most valuable asset.

[Ready to explore your options? Get a free quote from Nationwide today!]

1. Comprehensive Coverage for Complete Peace of Mind

Imagine this: You’re relaxing at home when a powerful storm strikes, causing major damage to your roof. Or perhaps you come back from vacation to discover your home has been broken into. These situations can be incredibly distressing – but with Nationwide’s comprehensive coverage, you’re safeguarded against life’s unforeseen obstacles.

What Does Comprehensive Coverage Include?

Comprehensive coverage serves as your financial barrier against various dangers:

Fire and Smoke Damage: Protection for structural harm and smoke-related problems
Natural Disasters: Coverage for destruction caused by storms, lightning, hail, and wind
Theft and Vandalism: Safeguard against break-ins and intentional property damage
Falling Objects: Defense against tree branches or other items that harm your home
Water Damage: Coverage for burst pipes and sudden water-related emergencies

Your home is not only a significant investment but also a safe haven for your family. Nationwide’s comprehensive coverage guarantees protection for:

Structure Protection

Foundation and walls
Roof and gutters
Built-in appliances
Electrical systems
Plumbing infrastructure
HVAC systems

Personal Belongings Protection

Furniture and electronics
Clothing and jewelry
Kitchen appliances
Sports equipment
Art and collectibles
Personal documents

Real-World Example of Comprehensive Coverage in Action

Let’s examine a practical example: A kitchen fire ignites due to a faulty electrical outlet. The damage goes beyond just the kitchen – smoke impacts nearby rooms, and water from firefighting efforts seeps through walls and floors. Here’s how Nationwide’s comprehensive coverage comes into play:

Repair structural damage to walls, floors, and ceiling
Replace damaged appliances and cabinets
Restore or replace affected personal belongings
Clean smoke damage throughout the house
Address water damage from firefighting efforts

The true worth of comprehensive coverage lies in its multi-faceted protection strategy. A basic policy might have gaps in coverage, forcing you to pay out-of-pocket for specific damages. Nationwide’s comprehensive coverage fills these gaps, offering strong protection for both anticipated and unanticipated situations.

Think of comprehensive coverage as your home’s armor – it shields every vulnerable area from potential dangers. This protection goes beyond obvious threats to encompass:

Debris removal after covered events

2. Comprehensive Dwelling Coverage

When disaster strikes your home, Nationwide’s dwelling coverage steps up with protection that extends far beyond basic structural damage. This robust coverage safeguards not just your home’s foundation, walls, and roof, but also includes often-overlooked components that make your house a home.

Built-in Protection for Your Home’s Essential Systems

Your dwelling coverage through Nationwide includes:

Built-in kitchen appliances
HVAC systems
Electrical wiring
Plumbing systems
Permanent fixtures and fittings
Custom cabinetry and built-in shelving
Attached garages and decks

Real-World Protection in Action

Picture this: A severe storm damages your roof, leading to water infiltration that affects your kitchen’s custom cabinetry and built-in appliances. Without comprehensive dwelling coverage, you might face thousands in out-of-pocket expenses. Nationwide’s dwelling coverage helps cover the costs of:

Roof replacement
Water damage remediation
Cabinet restoration or replacement
Built-in appliance repairs

Hidden Protection for Unexpected Issues

Many homeowners don’t realize their dwelling coverage extends to less obvious components:

Underground utility lines
Foundation repairs
Chimney and fireplace systems
Built-in security systems
Central vacuum systems

Cost Recovery Examples

A recent case study shows how Nationwide’s dwelling coverage made a difference:

“When a tree fell on Sarah’s house during a storm, it damaged not just her roof but also her custom kitchen. Nationwide’s dwelling coverage helped cover the $75,000 in repairs, including her high-end built-in refrigerator and custom cabinetry.”

Rebuilding Support

Nationwide’s dwelling coverage helps homeowners rebuild after major losses:

Coverage for current building code requirements
Protection against increased construction costs
Support for temporary structural stabilization
Debris removal services
Professional contractor coordination

Smart Coverage Calculations

Your dwelling coverage amount should reflect:

Current local construction costs
Your home’s unique features and upgrades
Special materials or craftsmanship
Local building code requirements
Inflation and market changes

3. Personal Property Protection Tailored to Your Needs

Your home isn’t just four walls and a roof – it’s filled with the things that make your life comfortable, meaningful, and uniquely yours. Nationwide’s personal property coverage steps up to protect these precious belongings with customizable options that fit your lifestyle.

What’s Protected Under Personal Property Coverage?

Electronics and appliances
Furniture and decor
Clothing and accessories
Sports equipment
Kitchen items and cookware
Books, music, and media collections
Tools and lawn equipment

Nationwide’s standard personal property coverage safeguards your belongings against:

Theft and burglary
Fire and smoke damage
Storm damage
Vandalism
Falling objects
Water damage from burst pipes

Customizable Protection Levels

You get to decide how much coverage you need based on your belongings’ value. Nationwide offers flexible coverage limits that can be adjusted as your possessions grow or change. A quick home inventory can help determine the right amount of coverage for your situation.

Special Coverage for High-Value Items

Some valuable items need extra protection beyond standard coverage limits:

Jewelry and watches
Fine art and antiques
Musical instruments
Coin or stamp collections
Designer clothing
High-end cameras and equipment

For these special items, Nationwide offers Valuables Plus® – a separate policy that provides enhanced protection with:

Higher coverage limits
Protection against accidental loss
Coverage for mysterious disappearance
No deductible on most claims

Real-World Protection Examples

Picture this: A pipe bursts while you’re at work, soaking your designer wardrobe. Or lightning strikes your home, frying your expensive electronics. With Nationwide’s personal property coverage, you’re not left hanging – the policy helps replace these items, getting your life back to normal.

Smart Coverage Features

Nationwide’s personal property protection includes practical benefits:

Off-premises coverage protecting your belongings anywhere in the world
Replacement cost coverage options for newer items
Coverage for students’ belongings while away at college
Protection for items stored in detached structures like garages or sheds

The best part? You can adjust your coverage limits an

4. Liability Protection for Unexpected Mishaps on Your Property

Accidents can happen anytime, even on your property. Whether it’s a delivery person slipping on your icy driveway or your neighbor’s kid getting hurt on your trampoline, these incidents can lead to costly legal battles and medical expenses if you’re not adequately protected.

That’s where Nationwide’s liability coverage comes in. It acts as a financial safety net, providing you with the peace of mind knowing that you’re covered in case of unexpected accidents.

How Liability Coverage Works

Nationwide’s liability coverage typically offers:

Medical expense coverage – $1,000 to $5,000 per person
Personal liability protection – Starting at $100,000, with options up to $500,000
Legal defense costs – Included as part of your liability coverage

Let’s say your normally friendly dog has an off day and bites a visitor. The medical bills alone could amount to $50,000, not including any potential legal fees if the injured party decides to sue you. With Nationwide’s liability protection, these expenses are taken care of, safeguarding your savings and assets.

Real-Life Protection Scenarios

Here are some examples of how Nationwide’s liability coverage can protect you:

The Pool Party Incident: A guest slips on your pool deck and suffers a concussion and broken arm. Medical bills totaling $30,000 are handled by your liability coverage.
The Tree Disaster: Your diseased tree falls on a neighbor’s car causing $15,000 in damage. Liability coverage pays for repairs and covers legal fees if the neighbor decides to sue.
The Contractor Accident: Your handyman falls from a ladder while cleaning gutters requiring surgery and physical therapy. Since workers’ compensation doesn’t apply in this case, liability protection covers the medical expenses.

Coverage Beyond Your Property Lines

It’s important to note that your liability protection extends beyond just accidents occurring on your property. For instance:

If your child accidentally breaks a neighbor’s expensive window while playing baseball, you’re covered.
Similarly, if your pet damages someone else’s property (like chewing through their fence), you’re also protected.

Hidden Benefits of Nationwide’s Liability Coverage

In addition to the standard benefits mentioned earlier, there are some hidden advantages of choosing Nationwide’s liability coverage:

Protection during volunteer activities: If you’re involved in charitable work or community service and an accident happens while you’re volunteering, you’re still covered.
Coverage for personal injury claims: This includes libel or slander claims made against you by someone else.
Defense costs separate from liability limits: Even if a lawsuit exceeds your policy limits, Nationwide will still cover the costs of defending yourself.
Coverage extending to vacation properties: If you own a second home or rental property that you occasionally use for vacations or getaways, it may also be eligible for liability protection under this policy.

Why Higher Liability Limits Matter

Smart homeowners often choose higher liability limits especially when they have high-risk features such as pools trampolines or playground equipment on their premises.

These additions can increase the likelihood of accidents occurring which is why it’s crucial to ensure that your insurance coverage matches the level of risk associated with these amenities.

By opting for greater personal liability protection (such as $500 000 instead of just $100 000) you provide yourself with an extra layer of security against potential lawsuits arising from injuries caused by these activities.

Remember: It’s always wise to consult with an insurance professional who can assess your specific situation and recommend appropriate coverage amounts based on factors like location type of property owned etc.

5. Additional Living Expenses Coverage: Support When You Need It Most

Imagine this: A severe storm damages your roof, making your home temporarily unlivable. Or maybe a fire forces you to move out while repairs are being done. These situations show why Additional Living Expenses (ALE) coverage from Nationwide is an essential safety net for homeowners.

What ALE Coverage Includes:

Hotel or rental property costs
Restaurant meals when cooking facilities aren’t available
Pet boarding fees
Laundry services
Storage unit rentals
Additional transportation expenses
Parking fees in urban areas

Let’s look at a real-world example: A family of four has to leave their home for three months after a pipe bursts and floods their house. Without ALE coverage, they’d have to pay for:

🏨 Hotel stay ($200/night): $18,000

🍽️ Additional meal costs ($100/day): $9,000

🚗 Extra transportation ($50/day): $4,500

📦 Storage unit ($100/month): $300

Total potential out-of-pocket expenses: $31,800

Nationwide’s ALE coverage comes in to protect you from these unexpected costs, ensuring you can maintain your standard of living while your home is being repaired. The coverage starts right away after a covered event, so you won’t face financial difficulties during an already stressful time.

Key Benefits of Nationwide’s ALE Coverage:

No upfront payments required – Direct billing arrangements with hotels and temporary housing providers
Flexible duration – Coverage extends throughout your home’s reasonable repair period
Customizable limits – Options to increase coverage based on your specific needs
Hassle-free claims process – Dedicated claims adjusters guide you through the relocation

A unique feature of Nationwide’s ALE coverage is its consideration for regional cost differences. Living expenses in Manhattan are much higher than those in rural Kansas, and your coverage takes these variations into account.

Smart Tips for ALE Coverage:

Document all additional expenses with receipts
Keep a detailed log of displacement-related costs
Maintain regular communication with your claims adjuster
Save estimates

6. Unique Optional Coverages Offered by Nationwide to Enhance Your Policy

Nationwide’s homeowners insurance stands out with its innovative optional coverages designed to provide extra layers of protection for your home and belongings. Let’s explore these unique features that can transform a basic policy into a comprehensive shield for your property.

1. Brand New Belongings®

This signature coverage option revolutionizes how your personal property claims are handled:

Receives the actual cash value of damaged items right after a covered loss
Additional payment to cover the full cost of brand new replacements
No depreciation deductions, regardless of item age
Applies to everything from furniture to electronics

2. Valuables Plus®

High-value items deserve special attention:

Extended coverage for jewelry, art, and collectibles
Protection against mysterious disappearance
Higher coverage limits than standard policies
Professional appraisal services available

3. Better Roof Replacement®

This forward-thinking coverage helps upgrade your home’s protection:

Replaces damaged roofs with stronger materials
Improves resistance to future weather damage
Includes enhanced materials at no extra cost
Potential long-term savings on maintenance

4. Identity Theft Protection

Digital security meets home insurance:

Credit monitoring services
Identity theft expense coverage
Fraud resolution support
Protection for the entire household

5. Ordinance or Law Coverage

Building code changes won’t catch you off guard:

Covers costs to meet current building codes during repairs
Includes demolition expenses when required
Protects against unexpected regulation compliance costs
Essential for older homes

6. Equipment Breakdown Coverage

Think of it as a home warranty wrapped in your insurance policy:

Protection for major home systems
Coverage for smart home technology
Includes heating and cooling systems
Extends to kitchen appliances

When requesting your nationwide house insurance quote, consider these optional coverages as investments in your peace of mind. Each addition can be tailored to match your specific needs and lifestyle. The beauty of Nationwide’s approach lies in its flexibility – you choose the extra protections that matter most to you.

These optional coverages create a safety net that goes beyond standard protection. Picture having the confidence to furnish your home with high-end appliances,

7. Water Backup Coverage: Protecting Your Home from Hidden Dangers

Let’s be honest – water damage caused by backed-up drains or sewer systems can turn your home into a nightmare. That’s where water backup coverage from Nationwide comes in. It acts as your financial shield against these hidden threats that standard homeowners insurance policies usually don’t cover.

Why Water Backup Coverage Matters

Imagine this: You wake up one morning to find your finished basement flooded with sewage water. Without the right coverage, you’re facing thousands of dollars in repairs, cleanup, and replacement costs. Water backup coverage helps protect you from financial devastation when:

Sewage systems become overwhelmed during heavy storms
Municipal sewer lines fail or back up into your home
Sump pump systems malfunction or lose power
Drain lines become blocked and cause water to flow back into your house

Common Causes of Water Backup Problems

Your home’s plumbing system is vulnerable to several potential threats that could lead to a water backup disaster:

Tree Root Invasion: Underground roots seek out water sources, penetrating and cracking pipes, which creates blockages leading to backups.
System Overload: Heavy rainfall can overwhelm municipal systems and storm drains, causing water to seek alternate paths, often into homes.
Aging Infrastructure: Deteriorating pipes can crack or collapse, old clay pipes may become brittle, and connections can weaken over time.

Hidden Risk Factors in Your Home

There are several factors that can increase your vulnerability to water backup issues:

Basement bathrooms or laundry facilities
Homes located in low-lying areas
Properties with aging plumbing systems
Houses situated in neighborhoods with mature trees
Regions prone to heavy rainfall or flooding

Cost-Saving Benefits

Water backup coverage proves invaluable when disaster strikes. Here are some typical expenses covered by the policy:

Professional water removal services
Sanitization and decontamination
Repair or replacement of damaged floors
Restoration of affected walls and baseboards
Replacement of ruined furniture and belongings
Mold remediation services

Customizable Protection Levels

Nationwide’s water backup coverage allows you to select coverage limits that suit your needs.

8. Flexible Policy Options That Put You in Control

Your home is unique – your insurance should be too. Nationwide understands this by offering truly customizable insurance plans that adapt to your specific needs and circumstances.

Policy Limit Flexibility

Set coverage amounts that match your home’s actual value
Adjust limits for personal property based on your belongings
Scale liability coverage to protect your assets appropriately

Deductible Options

Choose from multiple deductible levels to balance premium costs
Select different deductibles for various types of claims
Opt for higher deductibles to reduce monthly payments

Risk Management Choices

Pick coverage levels based on your area’s specific risks
Add or remove optional coverages as your needs change
Tailor protection based on your home’s unique features

The ability to design your own insurance plan creates a significant advantage in managing both protection and costs. A young family in a starter home might prioritize lower premiums with higher deductibles, while a retiree with valuable assets might prefer comprehensive coverage with lower deductibles.

Nationwide’s flexible approach lets you:

Mix and match coverage options
Scale protection up or down as needed
Adjust your plan as circumstances change
Create a policy that fits your budget

This level of customization ensures you’re never paying for coverage you don’t need while maintaining protection for what matters most. Your policy becomes a reflection of your specific situation rather than a generic package that might leave gaps in coverage or include unnecessary features.

9. Discounts Available for Policyholders: Saving You Money Without Compromising Coverage Quality!

Let’s talk about everyone’s favorite word: savings. Nationwide stands out with its impressive array of discounts that can significantly reduce your insurance premiums while maintaining robust coverage protection.

Multi-Policy Bundling Benefits

Combine home and auto insurance to unlock substantial savings
Add life insurance for additional discount opportunities
Bundle rental properties or vacation homes under one provider

Home Safety and Security Discounts

Install smoke detectors and fire alarms
Set up professional security monitoring systems
Add protective devices like deadbolts and smart home technology
Update electrical and plumbing systems

Loyalty and Claims-Free Rewards

Earn increasing discounts for maintaining continuous coverage
Receive price breaks for staying claims-free
Get special rates for new home purchases
Save when you purchase a home in a gated community

Professional and Organizational Affiliations

Special rates for members of partner organizations
Discounts for specific professions or employers
Reduced premiums for retirees aged 60 and above

Smart Home Technology Savings

Water leak detection systems
Smart thermostats
Connected security cameras
Automated lighting controls

Responsible Homeowner Benefits

Roof replacement or renovation credits
Recent home inspection rewards
Protective device certification discounts
Home maintenance program participation

The real magic happens when you combine multiple discount opportunities. A homeowner who bundles policies, maintains a security system, and stays claims-free could potentially save hundreds of dollars annually on their premiums.

Pro Tips for Maximizing Your Savings:

Schedule an annual policy review to identify new discount opportunities
Ask about seasonal promotions or limited-time offers
Document all home improvements and safety upgrades
Keep certificates and proof of installation for security devices
Consider increasing your deductible for lower premium costs

Nationwide’s discount program reflects their commitment to rewarding responsible homeownership. Their local agents work with you to identify every possible savings opportunity, ensuring you receive the maximum value from your policy while maintaining comprehensive protection for your home and belongings.

The best part? These discounts

10. Financial Strength and Stability You Can Rely On With Nationwide Insurance Co.

When disaster strikes your home, you need an insurance company with the financial muscle to back up their promises. Nationwide’s rock-solid financial foundation makes them a trustworthy choice for homeowners seeking reliable insurance protection.

Strong Financial Ratings

Nationwide has received impressive ratings from leading credit rating agencies, indicating their ability to meet financial obligations and pay claims promptly:

A+ Superior rating from A.M. Best
A1 rating from Moody’s
A+ rating from Standard & Poor’s

Claims Payment Track Record

The true test of an insurance company’s worth comes when you need to file a claim. Nationwide has a proven track record of processing claims efficiently and effectively:

Processing over $18 billion in claims annually
24/7 claims support
Average claim response time under 24 hours
Dedicated catastrophe response teams

Financial Resources at Your Disposal

Nationwide’s substantial financial resources translate into tangible benefits for homeowners when it comes to handling claims:

Quick emergency fund disbursement for immediate repairs
Access to preferred contractors and restoration specialists
Advanced digital claims processing systems
Dedicated claims adjusters for complex cases

Investment in Technology and Infrastructure

Nationwide continuously invests in technology and infrastructure to enhance their claims handling capabilities:

State-of-the-art claims processing systems
Mobile app technology for instant claim filing
Cybersecurity measures to protect policyholder data
Digital tools for policy management

Long-Term Market Presence

Operating since 1926, Nationwide has weathered various economic challenges and industry changes:

Multiple economic recessions
Natural disasters
Market fluctuations
Industry changes

This longevity demonstrates their ability to maintain financial stability through challenging times while consistently meeting policyholder needs.

Risk Management Expertise

Nationwide’s financial strength stems from smart risk management practices that help mitigate potential losses:

Diversified investment portfolio
Strategic reinsurance partnerships
Conservative underwriting approach
Strong cash reserves

Industry Recognition

The company’s financial prowess has earned recognition from various sources, further validating their stability and reputation:

Fortune 500 ranking
J.D. Power customer satisfaction awards
Better Business Bureau accreditation
Insurance industry leadership awards

Conclusion: Choose Wisely When It Comes To Protecting What Matters Most!

Your home is more than just a financial investment – it’s where memories are made and treasures are kept safe. Choosing the right insurance provider is crucial in protecting these important parts of your life.

Nationwide stands out as a top choice for home insurance because:

Comprehensive Protection – From dwelling coverage to personal property protection
Customizable Options – Tailored policies that fit your unique needs
Financial Stability – A proven track record of reliable claims processing
Innovation – Modern coverage options like Brand New Belongings®
Customer-First Approach – Dedicated support throughout the claims process

Getting multiple quotes helps you make an informed decision. Consider these key factors while comparing providers:

Coverage breadth and limitations
Policy customization options
Claims processing reputation
Financial strength ratings
Customer service quality

Home insurance nationwide doesn’t have to be complicated. Nationwide Insurance brings together essential protection, reliable service, and peace of mind in one package. Take time to research, ask questions, and choose a provider that aligns with your needs and values. Your home deserves nothing less than complete protection backed by a company you can trust.

Ready to protect your home? Get a quote from Nationwide today and see the difference comprehensive coverage can make for your peace of mind.

FAQs (Frequently Asked Questions)

What is homeowners insurance and why is it important?

Homeowners insurance is a type of property insurance that provides financial protection against various risks such as fire, theft, and vandalism. It is important because it safeguards your home and personal belongings, ensuring peace of mind in the event of unforeseen incidents.

What key factors should I consider when choosing a home insurance provider?

When choosing a home insurance provider, consider factors such as the comprehensiveness of coverage options, customer service quality, financial stability of the insurer, discounts available, and the flexibility to customize your policy according to your specific needs.

What types of coverage does Nationwide offer for homeowners?

Nationwide offers comprehensive coverage that includes dwelling protection, personal property protection, liability protection, additional living expenses coverage, and unique optional coverages like Brand New Belongings®. These options ensure that homeowners are well-protected against various risks.

How does liability protection work in Nationwide’s homeowners insurance?

Liability protection in Nationwide’s homeowners insurance covers medical expenses and legal fees if someone gets injured on your property. This coverage can protect you from significant financial burdens resulting from unexpected mishaps.

What are some discounts available for policyholders with Nationwide?

Nationwide offers various discounts for policyholders, including savings for bundling home and auto policies, having safety features like security systems or smoke detectors in your home, and opportunities to save for long-term policyholders. Regularly reviewing your policy can help you discover additional savings.

Why is it important to choose an insurer with strong financial strength like Nationwide?

Choosing an insurer with strong financial backing like Nationwide is essential because it ensures that they will be able to process claims promptly during emergencies. Financial strength provides peace of mind knowing that your insurer will be there when you need them most.