Nationwide Home Insurance Quote: Easy Step-by-Step Guide
Why Get a Nationwide Home Insurance Quote?
Choosing the right home insurance quote can make a huge difference in both your household’s protection and your wallet. A Nationwide home insurance quote is a great starting point for homeowners who want a balance of trustworthy claims service, customizable coverage types, and financial strength. Nationwide is known for its extensive network of local agents, quick online quoting, and unique discount programs like bundling and multi-policy savings. By requesting a quote, you not only get to assess competitive pricing, but also receive guidance on practical options for dwelling coverage, personal property coverage, and more, tailored to fit your needs. Protecting your home is one of the best choices you can make, and getting a quote is the first step.
What Information You’ll Need Before Getting a Quote
Before you get a home insurance quote online or through an agent, it’s helpful to gather several key pieces of information. Providing accurate details ensures your homeowners insurance quote reflects real risks and coverage needs. Here’s a practical checklist to streamline the process:
- Property address and year built
- Type of home (single-family, condo, rental property)
- Square footage and number of stories
- Roof age and material
- Heating, plumbing, and electrical system updates
- Details about detached structures (garages, sheds)
- Security and protective devices (alarms, smoke detectors)
- Personal details of all household members
- Past claims service history, if any
For those with rental properties, you may want to check our guide on home insurance quotes for rental property to see what information is specific to landlords.
Step-by-Step Process for Getting Your Quote Online
Getting a Nationwide home insurance quote online is fast and user-friendly. If you want to get home insurance quote online in minutes, follow these steps:
- Visit the Nationwide website: Navigate to the home insurance section. Look for a prominent button with a call-to-action like “Start Your Online Quote.”
- Enter your address: This allows Nationwide to locate your property and assess local risks.
- Fill in property details: Input information about your home’s size, construction materials, safety features, and renovation history.
- Customize your coverage: Select from multiple coverage types including dwelling coverage, personal property coverage, liability coverage, and optional add-ons like “water backup” or “identity theft” protection.
- Pick your discounts: Indicate whether you’ll be bundling auto or other policies, have protective devices, or qualify for a claim-free discount.
- Review your quote: Instantly see your personalized home insurance quote online. You can adjust coverage and deductibles to compare pricing in real time.
- Save, print, or connect: Save your quote for later, download a summary, or connect with an agent for additional questions.
Curious how this stacks up to other providers? Check out our article on the Progressive home insurance quote process for a detailed comparison.
Getting a Quote Through a Local Agent
Prefer personalized service or have complex insurance needs? Working with a local Nationwide agent can make the quoting process smoother, especially for new homeowners, custom builds, or multi-family properties. Here’s how it works:
- Find an agent: Use the online agent locator to identify an expert in your area.
- Schedule an appointment: Book a call or in-person meeting. Some agents also offer virtual consultations.
- Discuss your coverage needs: Talk through your current situation-including any prior claims, unique property features, and your risk tolerance.
- Explore discounts and add-ons: Agents can uncover local and state-specific savings, plus help you understand special endorsements, such as hurricane or flood coverage (vital for certain areas-learn about claims after a storm with our hurricane claims guide).
- Get your quote: After reviewing your information, they’ll present you with a detailed Nationwide home insurance quote tailored to your needs.
Understanding Your Quote: Coverage Breakdown
Your Nationwide home insurance quote will consist of several main sections, each prioritized for homeowners’ biggest concerns. Here’s what to look for:
- Dwelling Coverage: Protection for the physical structure of your home-walls, roof, floors-from covered risks like fire or wind.
- Personal Property Coverage: Covers your belongings: furniture, electronics, and clothes. You can set limits or add scheduled coverage for valuables.
- Liability Coverage: Helps pay for legal or medical costs if someone is injured on your property.
- Loss of Use: Covers living expenses (hotel, meals) if your home is unlivable due to a covered event.
- Optional Add-Ons: Extras like water backup protection, earthquake coverage, equipment breakdown, and more.
If you’d like to dig deeper into what each section means, head to our explainer on what home insurance covers.
| Coverage | Standard Limit | Optional? |
|---|---|---|
| Dwelling Coverage | Replacement cost of the home | No |
| Personal Property | 50%-70% of dwelling | No |
| Liability | $100,000-$500,000+ | No |
| Loss of Use | 20%-30% of dwelling | No |
| Water Backup | $5,000-$25,000 | Yes |
How to Compare Nationwide Quotes with Other Insurers
Shopping for a Nationwide insurance quote doesn’t mean you shouldn’t compare. In fact, evaluating at least three homeowners insurance quotes helps ensure you get the most value. Follow these tips:
- Standardize your info: Use identical property details and coverage limits on each company’s quote tool.
- Compare not just price, but services: Look at each insurer’s claims service, customer reviews, optional coverages, and discount potential.
- Bundling: Can you combine auto, umbrella, or specialty policies for a multi-policy discount?
- Speed and ease: Rate the quoting process-was the online quote tool easy? Did the insurer offer support or educational resources?
For a side-by-side comparison with another national provider, view our breakdown in Progressive home insurance quote: Save More in 2024.
Common Questions About Nationwide Home Insurance Quotes
How long does it take to get a home insurance quote?
With Nationwide, you can receive a basic home insurance quote online in about 5 minutes if you have your details ready. For more complex properties or custom coverage, through an agent, it might take an afternoon.
What information do I need for a home insurance quote?
Gather property specs (address, age, size), details on safety features, your current insurance history, and information on any recent claims.
Does getting a home insurance quote affect credit?
Getting a Nationwide home insurance quote does not affect your credit score. Insurers may perform a soft credit check for underwriting, but there’s no impact or penalty.
Can I get a cheap home insurance quote from Nationwide?
Absolutely-with discounts like bundling auto and home, installing protective devices, or qualifying for a claim-free discount, many customers see significant savings.
Am I covered right away after getting a quote?
No-coverage begins once you accept the quote, finalize the policy, and pay the first premium.
Ways to Lower Your Quote (Discounts & Bundling)
Looking for ways to reduce your home insurance quote? Nationwide offers several ways to save, helping you get robust coverage within your budget:
- Bundling: Combine home and auto policies for a multi-policy discount.
- Protective devices: Install alarms, smoke detectors, or monitoring systems to lower premiums.
- Claim-free discount: Enjoy lower rates if you haven’t filed a claim within a certain period.
- Higher deductible: Opting for a larger deductible can reduce your annual premium.
- Home renovations: Updating roofs, wiring, or HVAC systems may qualify you for discounts.
- Review annually: Reassessing your coverage needs each year ensures you aren’t overpaying for insurance you don’t need.
For more actionable savings strategies, read our guide on 5 proven ways to lower your home insurance costs.
