Homeowners, Condos & Renters Insurance
Nationwide offers security for your home, whether it be a house or a condominium. Even if you just rent your home it's important that you have the protection of insurance. Your personal property and you and your family's health need to be secure. The following information and availability of policies may vary by state.
Home and Personal Property
Nationwide offers protection against the loss of your home or personal property caused by:
- Fire and Lightning
- Windstorm and Hail
- Explosion
- Riot and Civil Commotion
- Aircraft
- Vehicles
- Smoke
- Vandalism and Malicious Mischief
- Theft On or Off Premises
- Falling Objects
- Weight of Ice or Snow
- Structural Collapse
- Accidental Overflow of Water from Plumbing
- Accidental Electrical Damage to Appliances
- Damage by Accidental Cracking or Bursting of Hot Water Heating Units
- Damage by Freezing Pipes
Comprehensive Coverage (Home)
Comprehensive Coverage may protect you against any direct physical loss to your home except those specifically excluded by the policy you choose. Some examples:
- Water Damage
- Chemical Spills
- Scorched Surfaces
- Glass Breakage
- Interior Damage by Melting Ice and Frozen Snow
- Damage to Floor from Paint Spills
- Chipping of Sink or Tile
- Damage to Underground Pipe from Excavating
Coverage to Protect You
- Personal Liability coverage may protect you and your spouse or any relatives living with you and anyone under age 21 in your care.
- May protect against claims you're legally obligated to pay – bodily injury, sickness, disease and death of others.
- May protect boats you may own or in your care.*
- May pay cost of defending claim against you (see policy).
- Damage to property of others.
- First aid expenses of others.
- Accidental death benefits.
*Depending on the type, size and horsepower a separate policy may be needed.
High-Valued Personal Property *
- Jewelry, Watches and Furs
- Guns
- Tools
- Cameras, Camcorders
- Silverware, Goldware, Pewterware
- Securities, Deeds
- Watercraft, Trailers, Equipment and Motors
- Money, Coins, Gold
- Computers
- Business Property on Premises
*Specific limits on Coverage for high-valued personal property may apply.
Other Important Coverages
Check with your agent to see if these coverage's are included on your policy and potential coverage amount options.
- Damage to Trees and Shrubs From Specified Perils
- May pay to Replace Locks When Keys are Stolen
- Loss of Use
- Consequential Loss
- Pets on Premises
- Credit Card Forgery
- Inflation Protection
- Reasonable Repairs
Some Optional Coverages
These optional coverage's may need to be added to your policy and may require additional premium.
- Building Additions and Alterations
- Sewer or drain backup
- Replacement Cost Contents
- Replacement Cost Plus on Dwelling
- Ordinance or Law
- Personal Injury Protection, Libel, Slander, False Imprisonment, Wrongful Eviction
- Loss Assessment (homeowners associations)
Other Important Coverages
In addition to your personal belongings, Renter's insurance may cover these additional situations:
- Loss of use
- Credit card, counterfeit money and forgery coverage
- Building additions/alterations coverage
- Insured personal property in a building at the residence premises
- May be covered for loss due to temperature change resulting from power interruption. There must be damage to the residence premises caused by a covered peril.
