Nationwide Homeowners Insurance
📍 Available in: US
★★★★★ 4.7 / 5.0
Nationwide is a Fortune 100 mutual carrier offering standout property endorsements. Their signature "Brand New Belongings" feature reimburses the depreciated amount first, then sends a second check for the full replacement cost once you replace the damaged item. Their "Better Roof Replacement" rebuilds damaged roofs using stronger, impact-resistant materials.
Key Facts at a Glance
| Cost / Fee Structure | From $105/mo ($1,260/yr avg) |
| Coverage / Loan Limit | Dwelling: $100K - $3M+ |
| Deductible | $500 - $5,000 |
| Credit / Eligibility | Standard Credit Underwriting |
| Terms Available | Annual Policies |
Pros & Cons
✓ Pros
- ✓Brand New Belongings guarantees you receive full retail price for destroyed items
- ✓Better Roof Replacement upgrades your home's weather resilience after hail or wind
- ✓Competitive rates when bundled with auto, motorcycle, or life insurance
- ✓Strong financial foundation with A+ A.M. Best rating
✕ Cons
- ✕Brand New Belongings requires optional endorsement and higher premium
- ✕Online quoting tool can occasionally freeze requiring phone completion
Key Features
Brand New Belongings (Replacement Cost)Better Roof Replacement RiderOrdinance or Law Upgrade ProtectionIdentity Theft Assistance Add-OnMulti-Policy & Renovated Home Discounts