Nationwide
- User-friendly mobile app.
- Several additional coverage options.
- Ranked above average for customer satisfaction by J.D. Power.
- Unavailable in select states.
- Costs more than the national average.
About Nationwide renters insurance
Nationwide renters insurance earned 4.2 out of 5 stars for overall performance. Nationwide renters insurance policies go beyond the basics. They include coverage options that some other companies' policies don’t. Plus, the company’s website and app make it easy to submit claims and manage your policy. But Nationwide’s policies cost more than average, according to NerdWallet’s rate analysis.
Best for: Renters who want to get quotes and manage their policies online.
Not ideal for: Those who want the cheapest possible option.
Where Nationwide stands out
Mobile app. Nationwide’s highly rated app offers an easy way to manage your policy.
Coverage. Nationwide’s policies can help if someone makes unauthorized charges on your credit or debit card.
Customer satisfaction. Nationwide was ranked above average in a recent J.D. Power customer satisfaction survey.
Where Nationwide falls short
No availability in Alaska, Hawaii, Louisiana or Oklahoma. Renters in these states will need to seek coverage elsewhere.
Cost. Nationwide’s policies cost more than the national average, according to NerdWallet’s rate analysis.
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What Nationwide renters insurance covers
Landlords sometimes require tenants to buy a policy with a minimum amount of liability insurance, but otherwise, the coverage you choose is generally up to you. Below are the four types of coverage included in most standard renters policies:
- Personal property
Personal property coverage can replace belongings such as furniture and electronics if they're stolen or damaged.
- Personal liability
Renters liability insurance pays out if you're responsible for injuring other people or damaging their property.
- Loss of use
Loss of use coverage pays for hotel stays, meals or other expenses if you have to live elsewhere while your home is repaired.
- Medical payments
Medical payments coverage pays to treat injuries to other people in your home, regardless of fault.
For more details, see What Does Renters Insurance Cover?
Beyond these standard types of coverage, Nationwide also includes the following in its basic policy:
Building additions and alterations, which pays for damage to elements of your home that you’ve updated or improved during your time there.
Credit card coverage, which pays you back for unauthorized financial transactions on your credit or debit card. It can also pay if you’re the victim of forged checks or counterfeit money.
Optional coverage
Nationwide offers several optional types of coverage:
Brand New Belongings. Pays you back for damaged or stolen items in two steps. You get the depreciated value of the item first. Then, after you repair or replace it, Nationwide pays you the difference. Without this coverage, you’d get only the depreciated amount (known as actual cash value).
Valuables Plus. Provides extra coverage for big-ticket items like jewelry or art.
Water backup. Covers damage from backed-up sewers or drains.
Theft extension. Offers extra coverage for personal items in a motor vehicle, trailer or boat.
Earthquake insurance. Pays for damage caused by an earthquake.
Identity theft protection. Pays up to $25,000 of covered expenses and connects you with cybersecurity experts.
Personal injury coverage. Extends the liability coverage on your policy to include lawsuits for things like slander or libel.
Coverage options may vary by state.
Nationwide renters insurance rates
Nationwide renters insurance costs an average of $193 a year, or about $16 per month, according to NerdWallet’s rate analysis. This is more expensive than the U.S. average of $151 per year. See how Nationwide stacks up against other major insurers below.
Company | Average annual rate |
|---|---|
$110 | |
$118 | |
$143 | |
$155 | |
$193 | |
$202 | |
USAA* | $146 |
*USAA renters insurance is available to active military, veterans, some federal workers and their families. | |
Rates are based on a sample renter with $30,000 in personal property coverage, $100,000 in liability coverage and a $500 deductible.
Discounts
Nationwide offers several discounts for renters insurance. You may be able to save by:
Bundling your renters insurance with another Nationwide policy, such as auto insurance.
Having protective devices such as fire alarms or smoke detectors in your home.
Going a certain period of time without filing any claims.
Living in a gated community.
We recommend shopping around with at least three different renters insurance companies to get the best rate.
Consumer complaints and satisfaction
Complaints: One strong sign of consumer satisfaction is how many people complain about their insurance company to state agencies. Nationwide gets a middling score on this measure, drawing an average proportion of home insurance complaints compared to other U.S. insurers.
How we determined our complaint scores We analyzed three years' worth of complaint data from the National Association of Insurance Commissioners. When comparing insurers, we accounted for company size and total premiums. NAIC home insurance complaints cover various policy types, including homeowners, renters, mobile home and condo insurance.
J.D. Power rating: Nationwide renters insurance ranked above average for customer satisfaction in J.D. Power’s 2025 U.S. Home Insurance Study.
Where Nationwide renters insurance is available
Nationwide renters insurance is available in 46 states and Washington, D.C.
Availability may change at any time. Coverage may not be available to all renters in a given state.
Consumer experience
Website: Nationwide’s website offers online quotes, bill payment and claims filing. It also has a range of educational articles about insurance.
App: The Nationwide app is available for iOS and Android. You can use it to file claims, pay bills and see policy documents.
Claims: You can file a claim online, through the mobile app or by calling 800-421-3535. You can also contact your local agent. Once your claim is in progress, you can check its status online.
Customer service: Help is available through your local agent or via phone, text or email. There’s also a chatbot on the Nationwide site that can help with simple questions.
Get renters insurance quotes in minutes
Answer a few questions to get custom quotes and find the right policy for you.
Other renters insurance companies to consider
Not ready to make a decision? You may be interested in these other renters insurance companies:
Other Nationwide products
NerdWallet's reviews of other Nationwide insurance products can help you find the right coverage for your needs:
How we review renters insurance
Our editorial team considers these factors when reviewing renters insurance companies:
- 📞 Customer experience
This rating is based primarily on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. We also evaluate whether companies have customer-friendly features such as online claims filing and quotes.
- 🛡️ Coverage
We look at how companies cover your personal belongings and how many common optional endorsements they offer.
- 💲Affordability
We evaluate the discounts a company offers and, when available, its median rates.
- 🏦 Financial strength
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
See our complete renters insurance rating methodology.
Why you can trust NerdWallet
In our research, we analyzed:
More than 175 million renters insurance rates.
More than 100 insurance companies.
More than 150 renter profiles.
Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy in order to help you choose the financial products that work best for you. Here is a list of our partners and here’s how we make money.
Frequently asked questions
What other types of insurance does Nationwide offer?
What other types of insurance does Nationwide offer?
Nationwide offers other types of insurance, including homeowners, condo, motorcycle, boat and auto.
Can you bundle Nationwide auto and renters insurance?
Can you bundle Nationwide auto and renters insurance?
Yes, Nationwide offers a multipolicy discount for bundling renters and auto insurance.
What does Nationwide renters insurance cover?
What does Nationwide renters insurance cover?
The standard policy covers your belongings for theft or certain types of damage. It also covers personal liability and medical payments to people who get hurt on your property. If you have to live somewhere else after a claim, it can pay some of those expenses, too.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Home Insurance Study. Accessed Dec 16, 2025.
Renters insurance star ratings methodology
NerdWallet’s renters insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including affordability, financial strength, consumer experience and coverage options. 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 full renters insurance rating methodology.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners from 2022 through 2024. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Renters insurance rates methodology
To find the average cost of renters insurance in the U.S., NerdWallet calculated the median rate for 30-year-old tenants from multiple insurance companies in every ZIP code across all 50 states and Washington, D.C. Sample tenants were nonsmokers with good credit and no recent claims, living in a two-bedroom apartment. They had a $500 deductible and the following coverage limits:
$30,000 in personal property coverage.
$100,000 in liability coverage.
$10,000 in additional living expenses coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We then compared the insurer's median rates to the median rates for other companies.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
