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 unique 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. For real-world context on what documentation insurers typically ask for (photos, receipts, timelines), use this guide to filing a Nationwide claim online before you finalize your policy.

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.

Document discounts (and re-verify at renewal): Upload what the carrier actually uses to trigger credits—alarm monitoring certificates, roof/plumbing/electrical invoices, permit close-outs (if applicable), and clear photos. Some proofs “expire” in their system, so set a quick renewal reminder to re-submit items like monitored-alarm verification or a new roof certificate.

Keep savings meaningful with like-for-like coverage: A cheaper premium isn’t a win if protection is thinner. Double-check that key limits match your real risk—Coverage A (dwelling), other structures, personal property, liability, medical payments, loss of use, and any add-ons like water backup. When comparing insurers, keep limits and deductibles identical so the savings you see are real, not a coverage downgrade.

Watch special deductibles (wind/hail, hurricane, named storm): In many coastal or storm-prone areas, you may have a separate deductible that’s either a flat dollar amount or a percentage of Coverage A. Run two quick scenarios (example: $1,000 vs. $2,500 all-peril, or 1% vs. 2% wind) to see how much the premium moves—then choose the option you could realistically pay out-of-pocket if a major repair hits.

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 or HVAC, added smart leak sensors, or upgraded wiring/plumbing, ask underwriting whether those updates qualify for credits—and consider endorsements that actually match your home’s risk profile. For pricing context, compare bundle costs and see how one renewal date and one bill can change your total premium with a home + auto policy with Nationwide.

Quick table: homeowner discount checklist

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.