Nationwide home insurance review is essential reading for any homeowner considering this well-known carrier. Nationwide Mutual Insurance Company has protected American families since 1926. The company started as Farm Bureau Mutual Automobile Insurance in Ohio. Today it ranks number 72 on the Fortune 500 list. Nationwide manages over $140 billion in total assets. It employs roughly 24,000 people across the country. As a mutual company, Nationwide returns profits to its policyholders rather than shareholders. This nationwide home insurance review examines coverage options, pricing, discounts, and customer satisfaction. It will help you decide if Nationwide fits your needs.
- Nationwide Overview and Financial Strength
- Nationwide Home Insurance Review: Coverage Options
- Nationwide Home Insurance Discounts
- Nationwide Home Insurance Cost
- Nationwide Claims Process and Customer Service
- Pros and Cons of Nationwide Home Insurance
- Who Is Nationwide Home Insurance Best For?
- Frequently Asked Questions
Nationwide Overview and Financial Strength
Nationwide is headquartered in Columbus, Ohio. The company also operates regional offices in Scottsdale, Arizona and Des Moines, Iowa. Nationwide offers home insurance in 43 states plus Washington, D.C. However, it is not available in Alaska, Hawaii, Louisiana, Massachusetts, New Jersey, or Oklahoma. In Florida, quotes are only available through partner National General.
Financial strength matters when choosing a home insurer. Nationwide holds an AM Best rating of A (Excellent) with a stable outlook. This rating was affirmed in November 2025. It means Nationwide has a strong ability to pay claims. The company reported $4.3 billion in net operating income in 2025. That was a 37 percent increase over the prior year. Nationwide wrote $3.73 billion in direct homeowners premiums in 2024. This makes it the ninth-largest home insurer in the United States.
For a complete picture of this nationwide home insurance review, consider the ratings table below.
| Rating Source | Score / Grade |
|---|---|
| AM Best Financial Strength | A (Excellent) — Stable Outlook |
| J.D. Power Home Insurance Satisfaction (2025) | 641 / 1,000 (8th overall) |
| NAIC Complaint Index (2024) | 1.27 (27% above average) |
| BBB Rating | A+ (Accredited since 1957) |
The NAIC complaint index deserves attention. A score of 1.00 is the industry baseline. Nationwide’s 1.27 means it receives slightly more complaints than expected for its size. However, this is not unusual among large national carriers. The BBB has accredited Nationwide for 69 consecutive years with an A+ rating.
Nationwide Home Insurance Review: Coverage Options
A thorough nationwide home insurance review must examine what the policy actually covers. Nationwide offers a standard HO-3 homeowners policy. This includes dwelling coverage for your home’s structure. It covers walls, floors, roofing, and built-in appliances. Other structures coverage protects detached garages, sheds, and fences. Personal property coverage replaces your belongings after a covered loss. Loss of use pays for temporary housing if your home becomes uninhabitable.
Nationwide also includes personal liability coverage in every policy. This protects you if someone is injured on your property. Medical payments coverage handles smaller injury claims without a lawsuit. Standard covered perils include fire, hail, theft, vandalism, windstorm, and lightning.
What sets Nationwide apart are its optional endorsements. Brand New Belongings replaces damaged items at full replacement cost with no depreciation. Better Roof Replacement rebuilds your roof stronger after a covered loss. Valuables Plus adds extra protection for jewelry, antiques, and fine art. In addition, Nationwide offers water backup coverage, identity theft protection, earthquake coverage, and equipment breakdown coverage. Service line coverage protects underground utility lines. Dwelling replacement cost coverage can pay up to double your dwelling limit to rebuild.
Nationwide Home Insurance Discounts
Discounts can significantly lower your premium. This nationwide home insurance review found at least ten discount opportunities. Many homeowners bundle auto and home insurance for savings. If you are comparing policies, you can also compare auto insurance rates at Car Cover Guide to maximize your bundling discount.
| Discount | Details |
|---|---|
| Multi-Policy Bundle | Up to 20% off (average savings of $1,032) |
| Protective Devices | Smoke detectors, burglar alarms, deadbolts |
| Smart Home | Select smart-home technology; free monitoring in some states |
| Claims-Free | Clean claims history lowers premium |
| New Home Purchase | Bought within the past 12 months |
| Loyalty / Prior Insurance | Based on years continuously insured |
| Gated Community | Security-controlled vehicle entrances |
| Roof Discount | Newer roof with qualifying materials |
| Home Renovation | Updated plumbing, heating, cooling, or electrical |
| Early Quote | Getting a quote before current policy expires |
The bundling discount stands out as the most valuable. Nationwide reports average annual savings of $1,032 when combining home and auto policies. For example, a homeowner paying $2,200 per year could save over $400 just by bundling. As a result, the effective cost drops well below competing carriers.
Nationwide Home Insurance Cost
Pricing is a key factor in any nationwide home insurance review. Multiple sources report different averages depending on coverage assumptions. Bankrate estimates Nationwide’s average annual premium at roughly $2,031. That is about 16 percent below the national average of $2,420. Insurify places Nationwide at $2,223 for $300,000 in dwelling coverage. The national average for similar coverage is $2,583.
Several factors affect your individual rate. Your home’s age, location, and construction materials matter most. Roof condition, claims history, and credit score also play a role. Typically, newer homes with updated systems receive lower premiums. Homes in areas prone to severe weather may cost more to insure. Nationwide allows you to adjust deductibles to manage your premium.
In most cases, Nationwide prices competitively against other large national carriers. However, rates vary significantly by state. Homeowners in the Midwest and Southeast tend to pay more due to weather risks. Saving on insurance premiums frees up money for other financial goals. You can find bank sign-up bonuses at Bonus Bank Daily to put those savings to work in a high-yield account.
Nationwide Claims Process and Customer Service
Filing a claim with Nationwide is straightforward. You can file online, through the mobile app, or by calling 1-800-421-3535. The process typically takes 10 to 15 minutes. Some claims are settled over the phone during the initial call. For larger claims, Nationwide assigns a dedicated claims representative. They will inspect the damage and estimate repair costs.
Nationwide’s mobile app is available for iOS and Android. It lets you file and track claims in real time. You can also pay bills, view policy documents, and make policy changes. The app supports face and fingerprint login for security. Policyholders can choose their own contractor or use Nationwide’s On Your Side Property Repair Network.
Customer service is a strong point in this nationwide home insurance review. U.S. News ranked Nationwide second for customer service with a 4.8 out of 5 score. General claims support is available at 1-800-848-6331 from 8 AM to 8 PM Eastern on weekdays. However, the J.D. Power score of 641 out of 1,000 places Nationwide in the middle of the pack. For comparison, Amica scored 705 and Erie scored 676 in the same 2025 study.
Pros and Cons of Nationwide Home Insurance
Pros:
- Strong financial stability with an AM Best A (Excellent) rating and $140 billion in assets
- Generous bundling discount averaging $1,032 per year when combining home and auto
- Ten optional endorsements including Brand New Belongings and Better Roof Replacement
- Available in 43 states plus D.C. with both online and local agent support
Cons:
- NAIC complaint index of 1.27 is above the industry average of 1.00
- Not available in seven states including Alaska, Hawaii, and Louisiana
- J.D. Power satisfaction score of 641 ranks only eighth among home insurers
Who Is Nationwide Home Insurance Best For?
This nationwide home insurance review points to several ideal customer profiles. Nationwide is best for homeowners who want to bundle multiple policies. The $1,032 average bundle savings makes it one of the most rewarding multi-policy carriers. Homeowners with high-value properties benefit from the Valuables Plus and dwelling replacement cost endorsements.
Nationwide also works well for homeowners who value customization. With ten optional coverages, you can tailor your policy precisely. For example, Brand New Belongings is ideal for homeowners with newer furniture and electronics. Better Roof Replacement appeals to those in storm-prone areas.
However, this nationwide home insurance review suggests looking elsewhere if you live in Alaska, Hawaii, Louisiana, Massachusetts, New Jersey, or Oklahoma. Homeowners who prioritize top-tier customer satisfaction scores may prefer Amica or Erie. In most cases, Nationwide delivers strong coverage at competitive rates for the average American homeowner. Its combination of financial strength, broad availability, and flexible endorsements makes it a solid choice. This nationwide home insurance review confirms that Nationwide earns its place among the top ten national carriers.
Frequently Asked Questions
Is Nationwide a good home insurance company?
Nationwide holds an AM Best A (Excellent) financial strength rating. It offers competitive rates that typically fall below the national average. However, its J.D. Power satisfaction score of 641 places it in the middle tier among major carriers.
How much does Nationwide home insurance cost per year?
Nationwide’s average annual premium ranges from $2,031 to $2,440 depending on coverage levels. In most cases, this falls below the national average of roughly $2,500. Your actual rate depends on location, home age, and claims history.
Does Nationwide offer discounts for bundling home and auto insurance?
Yes, Nationwide offers a multi-policy bundle discount of up to 20 percent. As a result, policyholders save an average of $1,032 per year. This is one of the largest bundling discounts among national home insurance carriers.
What states does Nationwide home insurance cover?
Nationwide home insurance is available in 43 states plus Washington, D.C. However, it is not available in Alaska, Hawaii, Louisiana, Massachusetts, New Jersey, or Oklahoma. Florida coverage is offered only through partner National General.
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Official Sources & Resources
For verified information on home insurance ratings and regulations:
- AM Best (Financial Strength Ratings): ambest.com
- NAIC (Complaint Ratios): naic.org
- Insurance Information Institute: iii.org
- FEMA (Flood Insurance): fema.gov
- J.D. Power (Customer Satisfaction): jdpower.com
Content last reviewed April 2026. If you notice any outdated information, please contact us.