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Homeowners insurance

What is home or property insurance?

Most people simply can't afford to rebuild their home and replace everything in it if there's a disaster. A home insurance policy can protect your property, some of your personal possessions and you.

Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We’re proud to offer dependable home insurance policies. Get a homeowners quote online to start protecting your home, belongings and peace of mind.

Nationally, more than half of U.S. homes are underinsured.1

Make sure your home is insured to at least 100% of its estimated replacement cost.

With the right home insurance coverage, you'll feel comfortable knowing that, in the event of a disaster, your property is protected.

No matter what type of home you own, personal property insurance is your responsibility. If you live in a condominium, remember that the condo association or cooperative won’t pay for damage caused inside your unit, even if it results from an incident outside of your control, such as a pipe bursting or an electrical fire.

Home coverage and discounts

What we can cover

Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.

Brand New Belongings®

Repair or replace your covered possessions, regardless of age or condition.

Homeowners insurance discounts

Making your policy more affordable.

Bundle & save

Combine auto, home and life to save time and money.

Get a multi-policy discount

Manage your policies online

Get ID cards and policy documents, change your coverages, make payments or manage a claim.

Learn about our online services

Protect your home

Add the smart home program to keep your home safe from water damage, break-ins, fires and more.

Learn about the smart home program

Florida Residential Property Windstorm Discounts. As required under s. 627.0629, Florida statutes, if you wish to learn more about the available windstorm discounts, please click the following link for additional information.

Get a homeowners insurance quote online

Caring for your home and loved ones is crucial. That’s why we offer homeowners insurance you can depend on. From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. Homeowners' policies cover:

Home insurance can also be used as a means of financial protection. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.

We also offer insurance policies for owners of second homes and vacation homes. This way, you, your family and your guests are protected wherever you go.

Homeowners insurance and financial standing

If you own a home and have a mortgage, your lienholder (the bank who is invested in your loan) will likely require you to carry insurance on your home. We often partner with banks to allow members to combine their insurance payments and monthly mortgage bill. This is called escrow. Your agent will be happy to review the details with you.

We make getting a homeowners insurance quote easy. You can click Start your quote above, call us at 1-877-669-6877 or find a local agent to get started.

Superior claims service

In times of need, we stand by you.

Log in

Start a property claim

Claims FAQ

Related solutions & topics

[1] http://www.insurancebusinessmag.com/us/news/breaking-news/the-problem-affecting-60-of-homeowners-policies-25269.aspx

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which control coverage determinations. Such terms may vary by state, and exclusions may apply.

Brand New Belongings is an optional feature. Exclusions and limits apply. Damaged items may be repaired in some cases. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages. Subject to underwriting guidelines, review, and approval.

1-877 On Your Side (1-877-669-6877)

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Products underwritten by Nationwide Mutual Insurance Company and Affiliated Companies. Not all Nationwide affiliated companies are mutual companies, and not all Nationwide members are insured by a mutual company. Subject to underwriting guidelines, review and approval. Products and discounts not available to all persons in all states. Nationwide Funds and NVIT Funds distributed by Nationwide Fund Distributors LLC (NFD), member FINRA, Columbus, Ohio. Nationwide Investment Services Corporation, member FINRA, Columbus, OH. Home Office: One Nationwide Plaza, Columbus, OH. Nationwide, the Nationwide N and Eagle and other marks displayed on this page are service marks of Nationwide Mutual Insurance Company, unless otherwise disclosed. © Nationwide Mutual Insurance Company.

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