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Homeowners Insurance Review📦 Best Belongings Coverage

Nationwide Home Insurance

Nationwide

Dwelling, personal property, liability, loss of use & Brand New Belongings. Typical cost $135–$255/month.

At a Glance

Category

Homeowners Insurance

Typical Monthly Cost

$135–$255

AM Best Rating

A+

Coverage Type

Dwelling, personal property, liability, loss of use & Brand New Belongings

Key Features

Brand New Belongings pays to replace items rather than depreciated value

Better Roof Replacement upgrades to stronger roofing materials after a claim

Multi-policy bundling discount with auto

Pros & Cons

Pros

  • Replacement-cost personal property option
  • Strong bundling savings with auto insurance
  • Solid financial strength rating

Tradeoffs

  • Some endorsements are only available in select states
  • Online quoting often requires agent follow-up

Best for: Homeowners who want replacement-cost coverage on personal belongings

Frequently Asked Questions

How much does Nationwide Home Insurance typically cost?

Nationwide policies like this typically run $135–$255/month, though your actual premium depends on your location, coverage limits, and personal risk factors.

Is Nationwide financially stable?

Nationwide carries an AM Best financial strength rating of A+, which reflects the insurer's ability to pay claims. Higher ratings generally indicate stronger financial stability.

Who is Nationwide Home Insurance best for?

Homeowners who want replacement-cost coverage on personal belongings.

Other Insurance

Allstate Home Insurance

Dwelling, personal property, liability & loss of use

Lemonade Homeowners Insurance

Dwelling, personal property, liability & theft

Travelers Home Insurance

Dwelling, personal property, liability & water backup

Premiums shown are illustrative national averages as of 2026 and vary by state, coverage limits, and personal risk factors — get a personalized quote directly from the provider.

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