Nationwide

• 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.

• 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.