Available in: AR, AZ, CO, IA, IL, IN, KY, ME, MI, MO, MT, ND, NE, OH, OR, SD, TN, TX, UT, WI, WV, WY.

Your customers can save an average of 5% on home insurance by being one of our safest drivers.1
homeowner unloading groceries from trunk of car in front of house

How it works:

  1. Your customer must have auto and home policies with Nationwide.
  2. Your customer must enroll and complete one of our telematics programs, SmartRide® or SmartMiles®.
  3. Approximately 54% of existing telematics customers would qualify for this discount if they also have a homeowner's policy with Nationwide.2

FAQ
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Nationwide applies a discount to homeowners policies for customers who have telematics on their auto policy and achieve a qualifying telematics matrix score. For example, any SmartRide policy with an average discount of 28% across all vehicles/drivers on policy will earn the Telematics Property Discount.

Nationwide’s safest drivers save an average 5% on home insurance if the customer has earned the minimum telematics discount.

If the quote is bound in PolicyCenter, the discount will be applied at that time. If the quote is bound in Nationwide Express, the discount will be applied during the cross policy read that occurs 55 days after the inception date of the policy back to the effective date of the policy.

Yes, the discount only applies to a homeowner policy and does not apply to a condo unit owner or tenant policy.
You will be able to see Telematics Property Discount in the following areas:
  • Applied Discounts and Surcharges section of the quote summary tab in PolicyCenter
  • Annual Premium included Discount section on the declaration page
  • Discount section of the quote letter
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[1] Property policyholder must have a Nationwide auto policy enrolled in SmartRide or SmartMiles and achieve a policy-level driving score that meets or exceeds qualifying standards. Details, availability, and actual savings vary based on coverages, state and underwriting company. National data, April 2025.
[2] Based on National average data (excluding California), April 2025.