HOME INSURANCE
Protect your House

Plan now for the unexpected

Home insurance helps minimize repairs, replacement costs and living expenses if something happens to your house or townhome. Fire, wind, hail, lightning, theft—you're covered. Just select what you pay out of pocket if you have a claim (usually somewhere between $500 and $1,000), and your homeowners insurance policy takes care of the rest.

Convenient home insurance account services and features you want, plus special policyholder benefits you’ll appreciate.  With multiple discount options and fast claims processing, you will find the Our insurance experience to be world class.

Whether you are a home owner or a renter, we have offerings to cover all your needs.

What Is Covered

Standard home insurance coverage policies provide the following types of coverage, up to the limits outlined in the policies:

  • Dwelling — Pays for damage or destruction to your house and any unattached structures and buildings, such as fences, detached garages, and storage sheds.
  • Personal Property — Covers the contents of your house, including furniture, clothing and appliances, if they are stolen, damaged, or destroyed.
  • Liability — Protects you against financial loss if you are sued and found legally responsible for someone else's injury or property damage.
  • Medical Payments — Covers medical bills for people hurt on your property. Medical Payments coverage also pays for some injuries that may happen away from your home, such as if your dog bites someone.
  • Loss of Use — Pays for additional living expenses if your home is too damaged to live in during repairs. Most standard home insurance coverage pays 10 to 20 percent of the amount of your dwelling coverage.

What Isn't Covered

A standard homeowners policy may not protect you from:

  • Flood, Earthquake, Nuclear Accident and War — To protect against unforeseen and uncontrollable events like these, you can purchase hazard insurance through your home insurance policy.
  • Windstorm Damage — In certain areas (mostly coastal) of some states, standard home insurance coverage does not cover damage caused by windstorms and hail. Check your policy information to see if windstorm damage is covered in your area.

The home insurance application process makes sure the insurance company has all the necessary information before it can sell you a policy. Understanding what information you need to provide on your home insurance application and why the company has to review it may make your home insurance application process smoother, and help you get the best policy for your needs.

Get in touch with a Digital Insurance agent today!  Refer to the Resources tab to find a local agent.

Our Top FAQs

To get proof of insurance, you can contact your agent or call 800-012-3456
To check your claim status,you can contact your agent, call 800-012-3456 or click on "CLAIMS CENTER" then click "Track a Claim"
Digital Insurance uses a credit-based insurance score to predict insurance losses. Studies show that considering credit creates a more accurate insurance rate. Credit history is being used by a vast majority of insurers today. By predicting potential losses better, Nationwide can provide a more appropriate rate for each customer. Our experience shows that about half of our existing customers receive a rate decrease based on their credit score.
Digital Insurance uses many factors to determine your score. Some of the more common factors are: Payment history (delinquencies or late payments) Length of time of credit history (when was your credit history established? Types of credit (credit cards, finance company installments, etc.) When determining your score, gender, marital status, age, ethnicity, address and income are not considered.
At Digital Insurance we value our customers. We have an Extraordinary Life Circumstance process that applies to all states. If your credit information has been directly influenced by one of the following events you may qualify for reconsideration of your premium. Catastrophic event, as declared by the federal or a state government Divorce/dissolution of marriage Death of a spouse, child or parent Serious illness or injury, or serious illness or injury to an immediate family member Temporary loss of employment for a period of three months or more, if such loss is due to involuntary unemployment Military deployment overseas Identity theft Total or other loss that makes a home uninhabitable For more information, talk to your agent or call 800-012-3456. We may require you to provide documentation of the event and an explanation of how that event affected your credit.

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Give our friendly team a call on:

0800 012 3456

Contact Numbers

Lines are open 8am to 10pm every day except Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.


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