What Does Homeowners Insurance Cover?
Nationwide offers a range of home insurance policies to cover you in the event of theft, water backup, personal injury and other types of losses. We not only cover your home, but also you, your family and your personal belongings. Read more about our homeowners insurance coverage types below and start your homeowners insurance quote today.
An optional coverage in connection with some homeowners, renters and condominium insurance policies that may help pay to repair or replace covered belongings.
Watch a short video to learn how an optional coverage in connection with your homeowners policy can help you get extra roof protection.
This insurance helps protect the structure, built-in appliances and wall-to-wall carpet of your house from damage.
Replacement cost plus
This coverage can pay an additional amount of your home coverage limit if additional money is needed to rebuild after a loss.
Water backup of sewer
Broadens the coverage for loss due to water backup through sewers or drains.
Valuables Plus ®
This insurance provides additional coverage for high-value items such as jewelry, watches, antiques and fine art.
Other structures coverage
This option covers property not attached to your house. This can include a detached garage or a gazebo.
This protection helps cover your furniture, clothing and other items in your home from covered losses as defined by your policy.
This insurance consists of two parts: bodily injury and property damage. If an accident occurs in your home that damages someone or something, personal liability can help pay for covered damages.
Personal umbrella liability insurance
A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.
Medical payments to others
This coverage may help pay for medical or funeral expenses of someone who is injured on your property.
Ordinance or law insurance
This insurance may help pay to rebuild your house to current building codes after a covered loss.
This option protects your house and its contents from flood damages. It is a separate policy with its own deductible.
This insurance provides additional coverage due to earthquake damage. A separate deductible applies.
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.