Key Takeaways
- Nationwide has been writing homeowners policies since 1926 and is one of the largest mutual insurers in the U.S., with an AM Best A+ rating and roughly $60 billion in annual revenue.
- The standard HO-3 policy comes in three tiers and includes credit card fraud coverage and building code upgrade coverage at no extra cost. Brand New Belongings and Better Roof Replacement are the standout add-ons.
- Sample annual premiums run $1,700–$2,400 for a $300k home, landing at or above the national average. Bundling with Nationwide auto can cut that with a discount up to 22%.
- J.D. Power gave Nationwide 709/1,000 in the 2025 Property Claims Satisfaction Study, well above the industry average of 682, and the NAIC complaint index sits at 0.84, below the industry baseline of 1.0.
- Nationwide is not available in Alaska, Hawaii, New Mexico, Louisiana, Florida, or Massachusetts. Homeowners who file claims frequently should note the average 41% rate increase after a claim.
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 HO-3 policy comes in three tiers and includes credit card fraud coverage and building code upgrade coverage at no extra cost. Nationwide is also one of the few major insurers that offers a free smart home device (Ting) to detect electrical fire hazards.
The claims experience is strong. 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: sample annual premiums run $1,700–$2,400 for a $300k home, at or above the national average. Nationwide was a strong contender, but just missed making our list of the best home insurance companies.
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.
- Brand New Belongings and Better Roof Replacement: These are Nationwide’s two most distinctive add-ons. Brand New Belongings pays to replace damaged personal property at brand-new pricing, not depreciated value. Better Roof Replacement upgrades your roof to impact-resistant materials at claim time, even if that is not what you had before.
- 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. No other major insurer offers this.
- Above-average claims satisfaction: J.D. Power 709/1,000 in 2025, well above the industry average of 682. 81.8% of Insure.com survey respondents said they were satisfied with how claims were processed.
- 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
- Middle-of-pack pricing: Sample premiums of $1,700–$2,400 for a $300k home put Nationwide at or above the national average. You are paying for the coverage depth.
- 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 steep compared to most competitors.
- 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.
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 |
Policy Types
Nationwide writes more than just the standard HO-3. The HO-5 form provides broader open-perils coverage for both the dwelling and personal property, which is the right call for higher-value homes. Nationwide also offers HO-6 condo policies, landlord policies for rental properties, and mobile home coverage. The HO-3 itself comes in three tiers, with the upper tiers adding Brand New Belongings and Better Roof Replacement as packaged features rather than individual line-item add-ons.
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: Pays to replace damaged personal property at brand-new pricing rather than depreciated value. This is the difference between getting $200 for a three-year-old laptop and getting enough to actually buy a new one.
- Better Roof Replacement: Upgrades your roof to impact-resistant materials at claim time, even if your existing roof was standard construction. Worth adding in hail- and wind-prone markets.
- Ordinance or Law Higher Limit: Raises the building code upgrade coverage beyond the amount included in the base policy, useful for older homes where code compliance costs can run high.
- 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.
- 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. Sample annual premiums run $1,700–$2,400 for a $300k home, which puts Nationwide at or slightly above the national average depending on state and coverage tier. The national average sits around $2,110–$2,400 across most analyses. That is the tradeoff: one of the deepest coverage menus in the business, at a price that reflects it.
The 22% bundling discount with Nationwide auto is the most direct lever for bringing that number down. A homeowner paying $2,200 annually who also carries Nationwide auto could save roughly $480 per year on the home policy alone, before any other discounts stack.
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 |
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).
Nationwide is not quite at Amica’s level, but it sits comfortably above average on every claims metric. The one asterisk: some customer reviews mention frustrating dispute resolution for larger or more complex claims, a pattern that shows up across Reddit and Trustpilot reports.
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.
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 rather than quarterly earnings.
Who Is Nationwide Good For?
Best For
- Homeowners who want the widest range of coverage options: Nationwide is ranked #1 for coverage flexibility. The three-tier HO-3 structure, combined with add-ons like Brand New Belongings, Better Roof Replacement, and Ordinance or Law Higher Limit, 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 homeowners insurance, 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 fast.
- Homeowners who want the cheapest possible coverage: Nationwide’s coverage depth is its strength. If you just want basic protection at the lowest price, you are paying for features you will not use. Check out Lemonade home insurance.
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 Homeowners Insurance vs. Amica Homeowners Insurance
Amica home insurance 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 Homeowners Insurance vs. Allstate Homeowners Insurance
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 homeowners insurance has broader state availability (50 states vs. 44) and competitive pricing ($2,321 vs. Nationwide’s $1,700–$2,400 range). 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 available. The three-tier HO-3 structure, with Brand New Belongings and Better Roof Replacement as packaged features in the upper tiers, gives homeowners real options rather than a one-size policy. The free Ting fire sensor is a unique perk no other major carrier offers.
The tradeoff is price. Sample premiums of $1,700–$2,400 for a $300k home put Nationwide at or above the national average, and a 41% average rate increase after claims means the cost can climb quickly if you file. But if you value coverage depth, strong claims handling, and a modern digital experience, Nationwide is hard to beat at this tier.
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%).
