Nationwide Home Insurance Discounts
Home insurance pricing isn’t just about square footage and roof age—your discount picture matters. Nationwide offers homeowner-specific savings that can materially change your annual premium when combined the right way.
Below, see which discounts are common, how verification works, and where bundling with auto or landlord policies can unlock the biggest net savings.
Unlock homeowner savings
Confirm the easy wins first (protective devices, claims-free history), then add structural or lifestyle credits. If you recently upgraded your roof or added monitored alarms, ask to re-underwrite those changes.
Get homeowners insurance quotes
Price the policy at the same Coverage A limit and deductible for fair comparisons.
Bundle with auto for more
See the bundle effect when home and auto are quoted together.
Common Nationwide home discounts: protective devices (monitored alarm/smoke/water), claims-free, newer roof/material updates, gated community/HOA security, and pay-in-full or EFT. Some credits vary by state and carrier filings.
For landlords and hosts: if you rent the property long-term, ask about a landlord form with loss of rents coverage; for short-term hosting, confirm endorsements and liability scope. Bundle these with your personal auto for additional credits.
Prove and keep credits: submit monitoring certificates, contractor invoices (roof/plumbing/electrical), and photos where requested. Set a reminder before renewal to re-send documents that expire, such as alarm monitoring proof.
Coverage fit matters: discounts help, but check that Coverage A, other structures, personal property, liability, medical to others, loss of use, and water backup limits match your risk. Price alternatives at equal limits so savings are real.
Mind peril-specific deductibles: some states use separate wind/hail or hurricane deductibles, which can be a flat amount or a percentage of Coverage A. Price two scenarios (e.g., $1,000 vs. $2,500 all-peril; 1% vs. 2% wind) to see the premium swing, then balance savings against your cash reserve for repairs.
Close common gaps: standard policies exclude flood and often limit sewer/sump backup, ordinance or law upgrades, and equipment breakdown. If you’ve modernized your roof/HVAC or added smart sensors, ask underwriting whether those updates qualify for credits and consider endorsements. For real-world costs, review claims basics and documentation tips in our guide to filing a Nationwide claim, and compare bundle pricing alongside auto here: home + auto with Nationwide.
Quick table: homeowner discount checklist
| Discount | Proof | When to re-verify |
|---|---|---|
| Protective devices | Monitoring certificate / photos | At renewal or when service changes |
| Claims-free | Carrier verified (CLUE) | Maintains automatically while loss-free |
| Roof/newer updates | Invoices, permits, photos | After upgrades; send promptly |
| Multi-policy bundle | Carrier cross-reference | Any time you add/remove a line |
Frequently asked questions
Do discounts vary by state?
Yes. Availability and values depend on state filings—your agent or quote will show what applies in your ZIP.
Will a claim remove all my discounts?
Not usually. Claims-free credits can change, but device and bundle savings often remain if the requirements are still met.
Can I stack landlord or host coverage with discounts?
Often yes—verify eligibility, then include those lines in the bundle for the true total.