State Farm vs NationwideHome insurance compared
Compared: Homeowners Insurance vs Homeowners insuranceDocuments checked: November 12, 2026
Short answer
As of November 12, 2026, from Select Your Cover's read of both insurers' documents:
They split the points we compared, but the right choice depends on you and the price you're quoted. State Farm is stronger on identity theft; Nationwide on discounts named.
Head to head
Belongings paid at
No clear edge
Both: Replacement cost add-on
Identity theft
State Farm
State Farm: Up to $50k vs Up to $25k
Discounts named
Nationwide
Nationwide: 9 discounts vs 6 discounts
Side by side
Pick what matters to you and see which of the two fits. Tap any value to read the exact wording.
State Farm
Homeowners Insurance
Nationwide
Homeowners insurance
Sewer and drain backup
Water that backs up through drains or a failed sump pump. A standard policy leaves it out; you add it.
Extra rebuild cover
Pays above your dwelling limit if rebuilding costs more than expected, for example after a disaster raises prices.
Building code upgrades
When a rebuild has to meet today's building code, this pays the extra cost.
Belongings paid at
Replacement cost pays what it costs to buy new. Actual cash value takes off depreciation, so you get less.
Valuables (itemized)
Jewelry, art and other valuables listed one by one, usually with higher limits and fewer exclusions.
Service lines
Underground water, sewer, gas and power lines between the street and your house.
Equipment breakdown
Repairs to a furnace, air conditioner, water heater or appliances after a mechanical or electrical breakdown.
Identity theft
Reimburses the cost of restoring your identity after fraud.
Renting out your home
Short-term rentals like Airbnb are often excluded unless you add this.
Discounts named
The discounts the insurer names on its own pages. Amounts depend on your state and home.
Where it's sold
Not every insurer sells homeowners cover in every state, and some sell only to members.
Choose State Farm if…
- ✓ State Farm: Up to $50k vs Up to $25k
Choose Nationwide if…
- ✓ Nationwide: 9 discounts vs 6 discounts
Compare all 9 home insurance insurers →
Common questions
Is State Farm better than Nationwide?
They split the points we compared, but the right choice depends on you and the price you're quoted. State Farm is stronger on identity theft; Nationwide on discounts named.
State Farm vs Nationwide: belongings paid at?
Both: Replacement cost add-on.
State Farm vs Nationwide: identity theft?
State Farm: Up to $50k vs Up to $25k.
State Farm vs Nationwide: discounts named?
Nationwide: 9 discounts vs 6 discounts.
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Compares documents downloaded on 2026-11-12. Terms vary by state, and prices depend on you. Not insurance advice, and we are not an insurance agent.