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A fender bender shouldn’t spike your premium — and now your rate won’t increase because of a minor accident.

This feature helps you avoid a rate increase if you’re involved in a fender bender or minor accident. Coverage is subject to the following conditions:

• No accident surcharge will be applied to your premium if you file a Property Damage or Collision claim resulting in a payout that is under the accident threshold, even if you were at fault; if the claim payout is over the accident threshold amount, the accident will be surcharged unless it qualifies for Accident Forgiveness; whether the accident threshold is met is determined by the Nationwide claims payout
• Available in select states, Accident Forgiveness is an auto insurance coverage option that potentially helps you avoid a rate increase after your first at-fault accident
• There is no limit on the number of times you can utilize this feature
• Example claims payout: If the total repair cost is $2,300 and you have a net deductible of $500, Nationwide’s payout would be $1,800, which is under the $2,000 Fender Bender Forgiveness threshold and qualifies for Fender Bender Forgiveness 

Locked out of your home? It happens — and we’ll reimburse you up to $250 to gain re-entry.

We’ll reimburse you up to $250 for the services needed to gain entry into your residence if your key or electronic entry device has been lost, stolen, disabled, locked in your home or you changed the locks to prevent an unauthorized entry. Coverage is subject to the following conditions:

• Original copies of receipts for services must be submitted before reimbursement is payable
• No deductible applies to this coverage
• Coverage is subject to all terms and conditions of the policy, except as changed by this endorsement

We’ll give you a hand with your deductible if you have an auto and property loss.

During a covered loss on both auto and property, we will waive or reimburse the lowest deductible.

You can have more peace of mind on auto repairs.

Enjoy the comfort of a written guarantee on repairs for as long as you own or lease the vehicle.²

In the unfortunate event that your home is lost to fire, your deductible will be waived (up to $5,000).

In the event of a covered loss, you’ll receive a special deductible provision. Your policy deductible will be waived (up to $5,000) if we deem your residence a total fire loss. Coverage is subject to the following conditions:

• No deductible applies to this coverage

Rest easy knowing that your furry friend is covered if they're injured in a car accident while in an insured vehicle. Your family's other pets are covered, too.

We’ll reimburse you up to $1,000 for injury or loss to your or a family member’s dog or cat. This includes coverage for reasonable and necessary veterinary expenses and medicines. Coverage also includes the cost to replace your dog or cat (with a similar dog or cat) if injury results in death. Coverage is subject to the following conditions:

• It applies only to a dog or cat owned by you or a family member
• It applies only if the dog or cat is injured while inside your covered vehicle at the time of the covered collision loss
• Our obligation to pay for an injury under this coverage has no effect on any other policy that you have with us
• No deductible applies to any payment under this coverage
• Coverage is subject to all terms and conditions of the policy, except as changed by this endorsement

If you must buy a new home because of a constructive total loss such as a fire, we’ll reimburse closing costs of up to $1,500 and increased monthly payments.

If a covered peril causes a “constructive total loss” to your residence and you have to obtain a new mortgage at a higher interest rate, we’ll reimburse you for the following expenses within 2 years of the loss date:

• New mortgage acquisition costs — We’ll reimburse you up to $1,500 for standard and customary closing costs, fees and related expenses
• Additional monthly mortgage expense — We’ll reimburse that part of the additional monthly mortgage expense on your replacement dwelling, which is due to a higher rate of interest for the same principal amount, based on the balance owed on the original mortgage at the time of the loss and for the same loan term
• Payment under this coverage will be made semiannually when you provide proof that the mortgage for which payment under this coverage is being made remains in effect; our limit of liability should not exceed $300 per month for 3 years from the date of your first mortgage payment

Coverage is subject to the following conditions:

• This coverage is additional insurance
• No deductible applies to this coverage
• With respect to Mortgage Protection Coverage only, the following definition is added: “Constructive total loss” means loss to the dwelling for which we have paid or agreed to pay an amount equal to 75% or more of the Coverage A – Dwelling limit of liability coverage shown in the Declarations

We’re here when you need us.

Get in touch online, over the phone or via the Nationwide mobile app.

Policy information is available whenever and wherever you need it.

Log in  to your account to pay a bill, print an ID card, manage your coverage or report a claim from virtually any device.

Choose how you want to receive documents and cut down on paper.

You'll receive email alerts about upcoming payments and available documents.

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