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When it comes to protecting what matters most, we appreciate that you’ve put your trust in us. We protect families, businesses and futures, putting members’ needs at the center of everything we do. And as part of the Nationwide® family, we want you to know about our benefits and discounts and how to make the most of them.
Your premium shouldn’t increase
because of a fender bender
Accident Forgiveness2 helps you avoid a rate increase if you’re involved in a minor accident.
Know that your belongings are protected
at their full value
With Brand New Belongings®, if the things inside your home are damaged or stolen, we’ll help you pay to have them fixed or replaced.3
Even more benefits
It’s easy to bundle insurance and save money
With a multipolicy discount, you may be able to save time and money by combining 2 or more insurance policies together.
Protective devices can help you save
You could get a discount on your homeowners insurance if you have smoke detectors, fire alarms, burglar alarms or other qualifying devices.
Have more peace of mind on auto repairs
When you choose a repair shop from the On Your Side Auto Repair Network®, you get a written guarantee on repairs for as long as you own or lease the vehicle.4
Get better protection for everything that makes your house a home
With Better Roof Replacement®, your home’s first line of defense gets rebuilt with stronger, safer roofing materials after a covered loss.3
We reward accident-free drivers
If you have at least 5 years without accidents or moving violations, you could be eligible for a more affordable car insurance rate.
Your home renovations could lead to savings
You could get a discount for renovating your home’s plumbing, heating, cooling or electrical systems.
Learn even more ways to lower your auto insurance premiums
Our discounts can help you save on monthly premiums.
Find additional savings on homeowners insurance
Get dependable, affordable insurance through our range of home insurance discounts.
 SmartRide program criteria differ in California and North Carolina. Stated discounts are approximations. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Final discount applies at the next policy renewal and is subject to change based upon actuarial support at subsequent renewals or with changes in drivers or vehicles on the policy.
SmartMiles availability varies. The SmartMiles variable premium is based upon the Cost Per Mile established for the coverages in force and the number of days and miles driven when the coverage is in force. The SmartMiles Driving Behavior Discount could be zero and does not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. The Driving Behavior discount applies at the next policy renewal and remains while the vehicle is enrolled in SmartMiles. Estimated payments are subject to change based upon the final rated mileage during the mileage period and any policy changes.
 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. 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. Here’s a claims payout example: 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.
 Brand New Belongings and Better Roof Replacement are optional features. Details vary by state and policy language. Exclusions and limits apply. For Brand New Belongings, damaged items may be repaired in some cases. Please consult your policy for the specifics of your selected coverages. These two features are subject to underwriting guidelines, review and approval.
 The repair network guarantee covers replacement of any defective alternative parts identified on appraisal and used in repair for as long as you own or lease your repaired vehicle. Also, work performed at an On Your Side® Auto Repair Center includes a guarantee on the workmanship of the appraised and completed repairs for as long as you own or lease your vehicle.