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One of the 10 largest U.S. home insurers, Nationwide stands out for including coverage in its homeowners policies that would cost you extra elsewhere. Nationwide home insurance is available in most states and offers plenty of opportunities for discounts.
Bottom line: For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.
Consumer complaints: Close to the expected number.
Discounts: Great set of discounts.
Coverage options: More than average.
Nationwide home insurance pros and cons
Offers some coverage standard that other companies charge extra for.
Not available in Alaska, Hawaii or Louisiana.
Lots of discounts available.
Doesn't insure mobile or manufactured homes.
Fewer customer complaints than expected for a company of its size.
How Nationwide home insurance rates
Nationwide homeowners insurance earned 5 out of 5 stars for overall performance. NerdWallet’s ratings are determined by our editorial team. The homeowners insurance scoring formula takes into account policy coverage options and discounts, ease of filing a claim, website transparency, the financial strength of the company, complaint data from the National Association of Insurance Commissioners and more.
Based on these ratings, Nationwide is among NerdWallet’s Best Home Insurance Companies for 2022.
Nationwide currently sells homeowners insurance in Washington, D.C., and every state except Alaska, Hawaii and Louisiana.
Nationwide home insurance coverage
You can customize your homeowners policy with numerous add-ons, but below are the types of coverage that generally come standard:
Type of coverage
What it does
Pays to repair or rebuild the structure of your home.
Covers damage to unattached structures such as a shed or fence.
Pays to repair or replace personal belongings such as furniture or clothing.
Pays for hotel stays, restaurant meals or other expenses if you have to live elsewhere while your home undergoes covered repairs.
Covers legal expenses and damages if you're responsible for injuries to other people or their property.
Covers injuries to guests in your home, regardless of fault.
For more details, see What Does Homeowners Insurance Cover?
A Nationwide homeowners policy includes not only the standard coverage you’d expect, but also a type of insurance that other companies often charge extra for: ordinance or law coverage. This pays to bring your house up to current building codes during rebuilding or repairs following a claim, with a limit of up to 10% of your dwelling coverage. (Higher limits are available for an additional cost.)
A Nationwide home insurance policy also covers losses up to $500 due to unauthorized credit or debit transactions, forged checks or counterfeit money. You can upgrade to $10,000 worth of coverage.
Depending on where you live, you may be able to add the following features to your policy:
Extended replacement cost, which pays up to double your dwelling coverage limit in case it costs more than expected to rebuild your home after a covered disaster.
Brand-new belongings, which pays enough to restore damaged belongings or replace them with brand-new items. (A default homeowners policy covers older items only for their depreciated value.)
Better roof replacement, which pays to rebuild your roof with stronger materials if it’s damaged for a covered reason.
Identity theft coverage to monitor your personal data and help with resolution if your identity is stolen.
Additional valuables coverage for jewelry, art and other high-value belongings.
Water backup coverage for damage due to an overflowing sump pump or a backed-up drain.
Nationwide home insurance rates
The average cost of Nationwide home insurance is $2,207 per year, according to a NerdWallet rate analysis. That's more expensive than the national average of $1,784 per year. It's also above the average rates of some of Nationwide's large national competitors.
The sample rates above were calculated for 40-year-old homeowners with a $1,000 deductible, $300,000 in dwelling coverage and $300,000 in liability insurance. Your own rates will be different.
Nationwide offers a variety of ways to save on your homeowners insurance, including:
Multipolicy discount when you buy both homeowners and auto insurance from Nationwide.
Discount if you’ve purchased your home within the past 12 months.
Discount based on the age and material of your roof.
Home renovation credit for updating plumbing, heating, cooling or electrical systems.
Discount for smoke detectors, fire alarms, burglar alarms or other protective devices.
Discount for new policyholders who’ve been continuously insured by another carrier.
Gated community discount.
Discount for having select smart-home technology.
Available discounts may vary depending on where you live.
Nationwide received close to the expected number of home insurance complaints to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners. (NAIC home insurance complaints also cover other home policy types, including mobile home, renters and condo insurance.)
Website: It’s easy to manage your homeowners policy on the Nationwide website, where you can pay bills, file and track claims, set up automatic payments and enroll in paperless billing. The site’s learning center features articles on a variety of home insurance topics.
App: On Nationwide’s mobile app, available for both iOS and Android, you can view policy documents, file a claim, pay bills and enroll in autopay.
Homeowners insurance buying guide
You can get home insurance quotes online, over the phone or through an agent. But before you start, take the following steps:
Determine how much coverage you need. Is a standard policy sufficient, or do you want to add extra insurance for situations like identity theft or sewer backups? Check whether each company you’re considering has the options you need.
Take inventory. To ensure you have sufficient personal property coverage, take stock of your belongings. Include all furniture, electronic devices, clothing, jewelry and household items. How much would it cost you to replace them? This total is the minimum amount of personal property insurance you should have.
Make a fair comparison. When evaluating rates, make sure each insurer is offering the same limits and deductibles.
Check consumer complaints. Although it may seem tempting simply to choose the cheapest option, look at how many consumer complaints each insurer has before choosing a policy. Poor customer service could have a significant impact on your experience if you ever need to file a claim.
How to file a homeowners insurance claim
File as soon as it’s safe. The sooner you report a theft or damage to your home, the sooner your insurer can assign an adjuster and start working on paying out your claim. Some companies let you file claims online or through their app, while in other cases you may have to call your agent or insurer instead. Have your policy number handy.
Document the damage. Bolster your claim by taking photos or video of all damage. If something was stolen, report it to the police before you contact your insurance company. Your insurer may ask for a copy of their report.
Prevent further damage. After you’ve taken pictures of everything broken or destroyed, take steps to prevent additional damage. For example, you can put a tarp over a leaky roof or blown-out window. Keep receipts for any supplies you buy, as your insurer may reimburse you later.
For more information, see how to file a homeowners insurance claim.
Other home insurance companies to consider
Not ready to make a decision? You may be interested in these other homeowners insurance companies:
Homeowners insurance ratings methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts, online experience and more. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Homeowners insurance rates methodology
NerdWallet averaged rates for 40-year-old homeowners from a variety of insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1997. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.