Nationwide has introduced updates to its homeowners program in Maryland, covering multiple entities including AMCO, Nationwide General, Nationwide Insurance Company of America, and Nationwide Mutual. The changes apply to both a new rating plan and revisions to existing ones, with new business effective July 5, 2026, and renewals starting September 24, 2026.

The filing reflects a modest overall rate decrease of 2.2%, with slight reductions across most entities. Impacts vary by company, but the largest books—Nationwide Mutual and Nationwide Insurance Company of America—see rate decreases of around 0.6% to 0.8%, affecting tens of thousands of policyholders and reducing written premium by several hundred thousand dollars each.

Beyond pricing, the update expands and refines the rating structure. The model incorporates a wide range of property and policyholder attributes, including construction type, roof condition, proximity to fire protection, prior insurance, claims history, and occupancy characteristics. It also introduces or reinforces factors tied to mitigation and resilience, such as fortified home features, protective devices, and water or wind-related risk indicators.

The program continues to emphasize segmentation, with granular adjustments tied to coverage selections like “Brand New Belongings,” service line coverage, and equipment breakdown, alongside discounts tied to bundling, payment behavior, and telematics-style property signals.

The update also points to the use of external property intelligence, such as imagery and data from providers like Cape Analytics, to enhance underwriting and risk segmentation.