- Nationwide Homeowners Insurance Overview: Nationwide has been in business since 1926 and is one of the largest U.S. financial services companies, offering flexible coverage options and a strong claims reputation, despite higher-than-average prices.
- Coverage Options and Benefits: Nationwide provides extensive standard coverage categories like dwelling, personal property, and liability, along with included extras such as credit card fraud coverage and free Ting fire sensors in most states.
- Pricing and Cost Factors: The average annual premium for Nationwide homeowners insurance ranges from about $2,223 to $2,610, which is above the national average, and claims history can significantly increase rates.
- Customer Experience and Digital Tools: Nationwide ranks highly for customer service with a top-rated app, multiple convenient claim filing options, and strong digital experience, contributing to overall customer satisfaction.
- Availability and Best For Whom: Nationwide is best suited for homeowners seeking extensive coverage options and digital tools, but it is not available in Florida and some other states, and may not be ideal for budget-conscious or frequent claim filers.
Nationwide Homeowners Insurance Overview
Nationwide has been in the insurance business since 1926, when it started as the Farm Bureau Mutual Automobile Insurance Company in Columbus, Ohio. Today, it is one of the largest financial services companies in the U.S., with about $60 billion in revenue, roughly 25,000 employees, and operations spanning insurance, financial services, and retirement products. It is a mutual company, meaning policyholders own it.
On the homeowner’s side, Nationwide’s calling card is coverage flexibility. Multiple review sites rank it #1 for coverage options, and the list of available add-ons is longer than most competitors. The standard policy includes credit card fraud coverage and building code upgrade coverage at no extra cost, and Nationwide is one of the few major insurers that offers a free smart home device (Ting) to detect electrical fire hazards.
The claims experience is strong, too. J.D. Power gave Nationwide a 709/1,000 in the 2025 Property Claims Satisfaction Study, well above the industry average of 682. Overall customer satisfaction ranks 4th out of 28 insurers. The NAIC complaint index is 0.84, below the industry baseline of 1.0. The weak spot is price: Nationwide tends to cost more than the national average, with estimates ranging from $2,223 to $2,610 per year.
Pros and Cons
Pros
- Best-in-class coverage options: Nationwide is ranked #1 for coverage flexibility by multiple review sites. Standard policies include credit card fraud and building code upgrade coverage. Add-ons cover equipment breakdown, water backup, valuables, earthquake, and flood.
- Free Ting fire sensor: In most states, Nationwide gives customers a free Ting smart sensor that monitors your home’s electrical network for fire hazards, plus five years of monitoring service and up to $1,000 to fix any issues it detects. This is a unique perk that no other major insurer offers.
- Above-average claims satisfaction: J.D. Power 709/1,000 in 2025, well above the industry average of 682. Nationwide ranked 3rd for claims handling. 82% of customers said they were satisfied with the claims process.
- Strong customer satisfaction: 4th overall in J.D. Power’s 2025 Home Insurance Study. #2 for customer service. 88.5% satisfied with digital experience.
- Below-average complaint rate: NAIC complaint index of 0.84 is below the industry baseline of 1.0. Nationwide generates fewer complaints per customer than the average carrier.
- Well-rated app: 4.7 stars on iOS, 4.5 on Android. Top 3 among insurers for digital experience in J.D. Power.
Cons
- Not available in 6 states: Missing Alaska, Hawaii, New Mexico, Louisiana, Florida, and Massachusetts. New Jersey availability is also limited.
- Claims history penalty: A history of claims can raise your Nationwide rate by an average of 41%, which is significant.
- Sub-limits on valuables: Standard policies have limits on jewelry, fine art, musical instruments, and sports equipment. You will need to schedule these items separately for full coverage.
- Mixed customer reviews: Some customers report frustrating dispute resolution and difficulty getting clear answers from staff. Like most large insurers, online reviews skew negative.
Coverage Options
Standard Coverage
Nationwide’s homeowners policy covers the standard six categories:
Coverage Type | What It Covers | Notable Details |
Dwelling (A) | Your home’s structure, roof, walls, and built-in systems | Extended replacement cost available as an add-on |
Other Structures (B) | Detached garages, sheds, fences | Typically, 10% of dwelling coverage |
Personal Property (C) | Furniture, electronics, clothing, belongings | Brand New Belongings (replacement cost) available |
Loss of Use (D) | Additional living expenses if the home is uninhabitable | Hotel, meals, temporary housing during repairs |
Personal Liability (E) | Lawsuits for bodily injury or property damage | Standard limits, higher limits, and an umbrella available |
Medical Payments (F) | Medical bills for guests injured on your property | No-fault coverage |
Included Extras
Nationwide’s standard policy includes several features that most competitors charge extra for:
- Credit card fraud coverage: Covers losses from unauthorized credit card use. Included in the base policy.
- Building code upgrade coverage: Pays extra costs to bring your home up to current building codes during repairs. Many competitors sell this as an add-on.
- Free Ting smart sensor: A plug-in device that monitors your home’s electrical network for fire hazards. Includes five years of monitoring service and up to $1,000 to fix any issues detected. Available in most states.
Add-Ons and Endorsements
On top of the standard inclusions, Nationwide offers a broad menu of optional coverages:
- Brand New Belongings: Nationwide’s replacement cost coverage for personal property. Pays to replace damaged items with new equivalents rather than depreciated value.
- Extended replacement cost: Increases your dwelling coverage limit so you are covered if rebuilding costs exceed your policy limit.
- Water backup/sewer overflow: Covers damage from sewer backups and sump pump failures.
- Equipment breakdown: Covers mechanical and electrical breakdown of home systems and appliances.
- Scheduled personal property: Covers high-value items like jewelry, art, musical instruments, and collectibles at appraised value.
- Roof coverage upgrade: Enhanced coverage for roof repairs and replacement.
- Earthquake coverage: Available as a policy rider in applicable states.
- Flood insurance: Available through a separate Nationwide flood policy.
- Identity theft coverage: Covers expenses from identity fraud restoration.
What’s Not Covered
Standard exclusions apply: flood and earthquake (both available as add-ons or separate policies), normal wear and tear, pest damage, mold from neglect, and intentional damage.
Pricing and Cost
Nationwide’s homeowners’ insurance is not cheap. Pricing estimates vary by source, but most analyses put it at or above the national average.
The national average is roughly $2,110 to $2,400, depending on the source. So Nationwide tends to land at or slightly above average. That is the tradeoff: you get one of the best coverage menus in the industry, but you pay for it.
Discounts and Savings
Nationwide offers 12 homeowners’ insurance discounts:
Discount | Estimated Savings | Details |
Multi-policy bundling | Up to 22% | Bundle home with auto, life, or other Nationwide policies |
Claims-free | Varies | No claims filed within a specified period |
Protective devices | Varies | Fire alarms, burglar alarms, sprinkler systems, security cameras |
Smart home devices | Varies | Water leak detectors, smart thermostats, connected security systems |
New home purchase | Varies | Purchased your home within the last 12 months |
Home renovation | Varies | Credit for recent renovations that improve your home’s safety or value |
Gated community | Varies | Living in a gated or secured community |
Roof discount | Varies | Based on roof age and surface material |
Prior insurance | Varies | Continuous insurance coverage with a prior carrier |
Paperless / ePolicy | Small | Go paperless for billing and documents |
Autopay | Small | Set up automatic payments |
Pay in full | Varies | Pay your annual premium upfront |
That is a solid list. The 22% bundling discount is competitive, and the smart home and gated community discounts are not offered by every carrier. The total savings potential is good if you qualify for multiple discounts.
Claims Experience
Strong Across the Board
Nationwide’s claims performance is one of the better stories in our review set:
- J.D. Power 2025 Property Claims Satisfaction: 709/1,000, well above the industry average of 682. This is one of the highest claim scores among major carriers.
- J.D. Power 2025 Overall: 4th out of 28 insurers for overall customer satisfaction.
- Claims handling: 81.8% of Insure.com survey respondents said they were satisfied with how claims were processed.
- NAIC Complaint Index: 0.84, below the industry baseline of 1.0. Nationwide generates fewer complaints than the average carrier.
- U.S. News claims resolution: 4.21/5, the third-highest score behind Amica (4.56) and Erie.
- Filing ease: #2 among insurers for ease of filing a claim and status updates (U.S. News).
The overall picture is strong. Nationwide is not quite at Amica’s level, but it is comfortably above average on every claims metric. The one asterisk: some customer reviews mention frustrating dispute resolution for larger or more complex claims.
How to File a Claim
Nationwide offers multiple ways to file:
- Online at nationwide.com
- Through the Nationwide mobile app
- By calling 1-800-421-3535
- Through your local Nationwide agent
Customer Service and Digital Experience
Agent Network
Nationwide distributes through a mix of exclusive agents, independent agents, and direct channels. You can find a local Nationwide agent, work with an independent agent who represents Nationwide, or manage your policy online and by phone.
Satisfaction Scores
Nationwide ranks 4th overall for customer satisfaction in J.D. Power’s 2025 Home Insurance Study. U.S. News gives it #2 for customer service with a 4.8/5 score. 88.5% of customers said they were satisfied with the digital experience. These are strong numbers across the board.
The App
Nationwide’s mobile app is one of the best among major homeowners’ insurers. It is rated 4.7 stars on the Apple App Store and 4.5 stars on Google Play. You can manage your policy, file claims, make payments, and access documents. J.D. Power ranked Nationwide in the top 3 for digital experience. This is a real strength that sets Nationwide apart from carriers like Travelers and Farmers.
Financial Strength
Nationwide’s financial position is strong:
- AM Best: A+ (Superior). This is the second-highest rating available.
- Revenue: Approximately $60 billion in 2024.
- Employees: ~25,000.
- Mutual company: Policyholder-owned, no external shareholders.
- Fortune 100: Consistently ranked among the largest U.S. financial services companies.
- Diversified: Insurance, financial services, retirement products, and pet insurance. The diversification provides stability.
What this means for you: Nationwide has the financial strength and scale to handle large catastrophe events and pay claims reliably. The A+ rating and mutual structure provide confidence that the company is well-capitalized and oriented toward policyholders.
Who Is Nationwide Good For?
Best For
- Homeowners who want the widest range of coverage options: Nationwide is ranked #1 for coverage flexibility. If you want to customize your policy with add-ons and endorsements, Nationwide gives you more to work with than most carriers.
- Tech-savvy homeowners: The free Ting fire sensor, the well-rated app, and the strong digital experience make Nationwide a good fit for people who like smart home integration.
- Homeowners who value claims experience: J.D. Power 709 and NAIC 0.84 are both strong. Nationwide is in the top tier for claims handling.
- Bundlers: The 22% bundling discount is competitive, and Nationwide offers auto, life, pet, and other products to bundle with.
Not Ideal For
- Price-sensitive shoppers: Nationwide’s premiums run at or above the national average. If budget is your top priority, Amica, USAA, or State Farm are cheaper.
- Homeowners in the 6 excluded states: Alaska, Hawaii, New Mexico, Louisiana, Florida, and Massachusetts are not served.
- Frequent claim filers: Nationwide’s 41% average rate increase after claims is steeper than most competitors. If you tend to file claims, this penalty adds up.
- Homeowners who want the cheapest possible coverage: Nationwide’s coverage depth is its strength, but if you just want basic coverage at the lowest price, you are paying for features you may not need.
How to Get a Quote
Nationwide offers several ways to get a homeowners insurance quote:
- Online at nationwide.com
- By calling 1-877-669-6877
- Through a local Nationwide agent
Ask about the Ting fire sensor when you get a quote. It is free and comes with five years of monitoring service.
How Nationwide Compares
Nationwide | Amica | Allstate | |
Overall Rating | 4.0 / 5 | 4.5 / 5 | 3.5 / 5 |
Avg. Annual Premium | ~$2,223–$2,610 | ~$1,428–$1,510 | ~$2,321 |
AM Best Rating | A+ (Superior) | A+ (Superior) | A+ (Superior) |
J.D. Power Claims | 709 / 1,000 | 745 / 1,000 | Not ranked |
NAIC Complaint Index | 0.84 | 0.37 | ~1.0 |
Coverage Options | #1 ranked | Strong (HO-5 option) | Strong (Digital Locker) |
States Available | 44 + D.C. | 48 + D.C. | 50 + D.C. |
Best For | Coverage depth | Best overall | Customization |
Nationwide vs. Amica
Amica is cheaper, has a better claims score (745 vs. 709), a lower complaint rate (0.37 vs. 0.84), and has been #1 in J.D. Power overall satisfaction for 17 straight years. Nationwide has more coverage options (ranked #1 vs. Amica’s strong but smaller menu), the free Ting fire sensor, and a better app. Both are mutual companies with A+ ratings. If price and claims are your top priorities, Amica wins. If coverage flexibility and digital experience matter more, Nationwide has the edge.
Nationwide vs. Allstate
Nationwide beats Allstate on claims satisfaction (709 vs. not ranked), complaint rate (0.84 vs. ~1.0), and overall J.D. Power ranking (4th vs. below average). Allstate has broader state availability (50 states vs. 44) and competitive pricing ($2,321 vs. $2,223-$2,610). Both offer strong coverage customization, but Nationwide has more add-on options and the Ting fire sensor. For most homeowners, Nationwide is the better overall product.
Final Verdict
Nationwide earns a 4.0 out of 5 in our review. The coverage options are the best in the business (ranked #1 by multiple review sites), the claims experience is well above average (J.D. Power 709), the NAIC complaint index (0.84) is below the industry baseline, and the app and digital tools are among the best. The free Ting fire sensor is a unique perk that no other major carrier offers.
The tradeoff is price. Nationwide tends to cost more than the national average, and a 41% average rate increase after claims means the cost can climb fast if you file. But if you value coverage depth, strong claims handling, and a modern digital experience, Nationwide is hard to beat.
Get a quote at nationwide.com and ask about the Ting sensor. Compare it to Amica (better price and claims), USAA (if eligible), and Erie (if in their territory) before making a decision.
Other Nationwide Offers We’ve Reviewed:
- Nationwide Car Insurance
- Nationwide Life Insurance
- Nationwide Pet Insurance
- Nationwide Travel Insurance
Our Methodology
This review uses a weighted scoring system: coverage options (25%), pricing and value (20%), claims experience (20%), customer service (15%), discounts and savings (10%), and digital experience (10%).
Frequently Asked Questions
Answers to your questions about Nationwide home insurance.
Yes. Nationwide ranks 4th in J.D. Power’s 2025 overall satisfaction study, has an above-average claims score (709/1,000), and has the lowest NAIC complaint index (0.84) among all large traditional carriers. Multiple review sites rank it #1 for coverage options. The main downside is price: Nationwide tends to cost more than the national average. But if coverage depth and claims experience are your priorities, Nationwide is one of the better choices.
Nationwide has been in business since 1926, nearly 100 years. It is a mutual company headquartered in Columbus, Ohio, with approximately $60 billion in revenue, 25,000 employees, and an A+ (Superior) rating from AM Best. It is a Fortune 100 company operating in 44 states plus D.C. Nationwide is one of the largest and most established insurance companies in the country.
Average premium estimates range from $2,223 to $2,610 per year for $300,000 in dwelling coverage, depending on the source. That puts Nationwide at or slightly above the national average of about $2,110 to $2,400. Rates vary significantly by state and home characteristics. Be aware that claims history can raise your rate by an average of 41%, which is steeper than most competitors.
Ting is a free smart sensor device that Nationwide provides to homeowners in most states. You plug it into a standard outlet, and it monitors your home’s electrical network for fire hazards like arc faults and bad wiring. It comes with five years of monitoring service and up to $1,000 to fix any electrical issues it detects. No other major insurer offers anything like this.
No. Nationwide does not offer homeowners’ insurance in Florida. It is also unavailable in Alaska, Hawaii, New Mexico, Louisiana, and Massachusetts. New Jersey availability is limited.
Yes to both. Nationwide offers flood insurance as a separate policy and earthquake coverage as a rider on your homeowners policy. This sets it apart from carriers like State Farm and Liberty Mutual, which do not sell these coverages directly.
Brand New Belongings is Nationwide’s replacement cost coverage for personal property. Instead of paying the depreciated value of your damaged or stolen items, it pays to replace them with new equivalents. This is an optional add-on, not included in the standard policy.
