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Nationwide

LAST UPDATED: August 31st, 2022

Founded 1926, Nationwide is a well-recognized financial services and insurance provider. If you're looking for competitive homeowners insurance and opportunities for discounts, Nationwide is worth exploring further.

Read Nationwide Home Insurance Reviews

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The Good

  • High Financial Strength Ratings
  • Competitive Coverage
  • Discounts
  • Online Policy Management 
  • On Your Side® Review

High Financial Strength Ratings

Nationwide has earned high financial strength ratings. High ratings are a must when choosing an insurer because they indicate how financially stable and reliable an insurance company is. 

Good financial strength ratings are common with top home insurers, so Nationwide's high ratings make it competitive.

Competitive Coverage

Nationwide homeowners insurance coverage is also competitive. It offers common coverages, including dwelling, other structures, personal property, medical payments to others, loss of use, and liability.

Like other home insurance companies, you can add identity theft coverage, water backup coverage, specific coverage for valuable items, and opt for replacement cost instead of actual cash value coverage.

Nationwide has a few branded coverages for these — Brand New Belongings® (replacement cost coverage) and Valuables Plus® (coverage for expensive items).

Nationwide also offers Replacement Cost Plus, which increases your coverage limit if your home needs to be rebuilt, and Better Roof Replacement®. 

You can also benefit from adding ordinance or law insurance, which offers extra funds for rebuilding your home to current building codes after a covered loss. 

Nationwide also offers credit card coverage with its home insurance. This coverage provides some reimbursement for unauthorized transactions.

These additional coverage options make Nationwide stand out from other insurers. With so many types of home insurance coverage, you can create a customized insurance policy that meets your needs.

You can buy earthquake and flood insurance separately.

Discounts 

Nationwide offers a large selection of discounts to policyholders. Some home insurers don't offer many discounts, so Nationwide's selection stands out.

Nationwide's discounts include the following:

  • Multiple policy
  • Protective device (e.g. home security)
  • Claims-free
  • Roof rating
  • Recent home purchase
  • Prior continuous insurance (new Nationwide members only)
  • Gated community

You can also receive a home renovation credit if you renovate the home's plumbing, heating, cooling, or electrical systems.

Online Policy Management 

From quotes to claims, you can work with Nationwide on your homeowners policy online. The ability to manage your policy online is common among insurers, so this convenience makes Nationwide competitive.

On Your Side® Review

Nationwide offers a free review service to help you understand your current insurance policies and make sure they meet your insurance needs. This program is called On Your Side® Review. A few other insurers offer a similar service, but it isn't common.

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The Bad

  • Insufficient Customer Insight

Insufficient Customer Insight

Best Company has not received many Nationwide homeowners insurance reviews, which makes it hard to gauge customer satisfaction. Although Nationwide is competitive, additional customer insight is necessary for a full recommendation.

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The Bottom Line

While more customer reviews are necessary for a full recommendation, Nationwide home insurance is worth exploring further. The insurance carrier has received high financial strength ratings and offers competitive homeowners coverage. Nationwide may be an especially good fit if you're interested in discounts on your home insurance policy.

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Star Rating

4.9

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9 Reviews

Review Breakdown

5 grade

89%

4 grade

11%

3 grade

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2 grade

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1 grade

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Review Source

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Brittany Mayes Mooresville, NC

I have had a wonderful experience with Nationwide. I’ve had my auto insurance with them since 2008 and bundled my home insurance with the purchase of my home in 2014. I continued to get new policies every time I purchased a new home and have been happy with each. I do think the app could be more user friendly, however we rarely need to use it.

1 month ago

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Dwayne Holland Charlotte, NC

Their friendly agents have been awesome in handling my claims. I like the professionalism they have shown and their punctuality is awesome. I would recommend them for sure.

4 weeks ago

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Lisa Hochstetler Ridgeland, SC

Nationwide is a good secure and reasonably priced house insurance company. We had to have an inspector come out and appraise some damage to the inside of our house and they took care of our problem and issued a check within just a few weeks. They were prompt and courteous. We continue to use them and are well satisfied.

1 month ago

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Alexandria Lekberg Woodland, CA

We had Nationwide for a period of time until we moved. We had a great experience with them when we made a claim. They paid for everything and made it so simple to replace the fence. Great company!

1 month ago

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Abi Deen Dallas, TX

I’m’a former customer of Nationwide and I had a wonderful 6 months experience with them. The customer service is 10/10 and the rates were very affordable. Highly recommend!

1 month ago

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Excellent Plumber Service Jonesboro, GA

Nationwide has great customer service. They are prompt to answer and follow through with service issues.

1 month ago

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Terri Bullhead City, AZ

Good coverage at a great price. Overall protection goes beyond most other insurance companies. Customer service knowledgeable, considerate, & speedy.

2 months ago

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Taylor Siren Gilbert, AZ

The customer service at Nationwide assures you that they will always be on your side in any situation.

4 years ago

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John E Leadore, ID

We have both homeowners and auto insurance I have had very good service would recommend highly

1 year ago