Nationwide Home Insurance Review: Ratings and Quotes (2025)

Nationwide is one of the largest insurance companies in the U.S., offering homeowners a wide range of coverage, including water backup, earthquake, and valuables insurance. Operating for nearly 100 years, Nationwide has an excellent reputation, earning strong ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).

While Nationwide is a good choice, it’s wise to compare homeowners insurance quotes from multiple companies before choosing which company will insure your home.

Nationwide home insurance at a glance

Nationwide home insurance coverage options

Nationwide offers all the standard home insurance coverages, including some additional coverages to bolster your protection.

• Dwelling: Dwelling coverage protects your home’s structure, appliances, and wall-to-wall carpeting.1

• Contents: Contents coverage protects your personal property, like your clothing and furniture.

• Personal liability: Liability insurance helps pay for injuries to a guest or damages to their personal property.  

• Medical payments: Medical payments insurance may cover medical expenses for someone who’s injured on your property or help pay for funeral expenses.2

• Ordinance insurance: Ordinance insurance helps pay to rebuild your home in compliance with your town’s specific laws or ordinances.

• Other structures: Other structures coverage pays for damage to structures not attached to your main dwelling, like sheds, barns, or fences.

• Loss of use: Loss of use coverage helps pay for additional living expenses, like hotel stays or restaurant meals, if you can’t live in your home after a covered loss.

• Credit card coverage: Credit card coverage pays up to a set liability limit for unauthorized credit or debit card transactions. This goes for forged checks and counterfeit money, too.

Optional Nationwide home insurance coverages

Depending on how much homeowners insurance you need, Nationwide’s optional home insurance coverages can provide protection that goes beyond a standard policy.

Availability of Nationwide home insurance

Nationwide offers home insurance coverage in every U.S. state except the following:

• Alaska

• Florida

• Hawaii

• Louisiana

• Massachusetts

• New Jersey

• New Mexico

Nationwide home insurance cost

The average cost of a $300,000 dwelling policy from Nationwide is less than the national average. Nationwide’s policy cost comes in at $2,223 annually, while the average national insurance rate for the same $300,000 dwelling policy is $2,583.

If you’re looking for cheap home insurance, though, you’ll find that Nationwide is more expensive than numerous competitors, including Travelers, USAA, Allstate, State Farm, and American Family.

Nationwide average rates by dwelling coverage amount

Nationwide’s home insurance rates are around the middle of the pack, sitting slightly below the national average but above some of its close competitors. The table below shows rates based on dwelling coverage amount.

Nationwide average rates by state

Washington has the lowest rates in the nation for Nationwide homeowners insurance. The average yearly rate is $690 for a $300,000 dwelling policy. Check out the table below to see how Nationwide’s rates vary by state in some of the states where it operates.

How customers feel about Nationwide home insurance

Nationwide has strong industry ratings overall, but it falls short on some customer review sites. The insurer earned strong scores from J.D. Power, AM Best, and the NAIC, but it received only 1.5 out of 5 stars on Trustpilot.

Additionally, various customers have complained on Reddit that the insurance company is becoming more strict with its requirements, in some cases requiring customers to clean their roofs to maintain coverage.

Nationwide industry ratings

While insurance companies may boast about the coverage they offer, it’s important to consider what neutral third parties have to say. The following companies provide insurance customers with an unbiased view of various companies’ offerings, allowing you to determine whether an insurer is a reliable option.

Here’s how they rate Nationwide:

Nationwide homeowners insurance discounts

Consider the discounts available when weighing your home insurance options. If you qualify for even a couple of home insurance discounts, they can put a major dent in your premiums.

Take a look at the home insurance discounts Nationwide offers.

• Claims-free: You may qualify for a lower premium at your policy renewal for remaining claims free.

• Home renovation: You could earn a credit if you renovate any of your home’s essential systems, such as plumbing, heating, cooling, or electrical.

• Protective device: You can qualify for this discount if you install fire alarms, smoke detectors, or burglar alarms in your house.

• Gated community: If all the vehicle entrances to your neighborhood are protected by locks, key cards, or guards, you can qualify for a discount.

• Smart home: In some states, you can receive a discount for having smart devices in your home that keep your home safe from property damage.

• Prior insurance: New Nationwide policyholders can qualify for a discount based on the number of years they were with their prior insurer.

• Roof rating: You may qualify for a discount based on your roof’s materials and its age. 

• Home purchase: Homeowners who’ve purchased a home within the last year qualify for a discount.

Nationwide insurance bundling options

Bundling your various insurance policies is one of the best ways to save on the cost of home insurance. Many insurers, including Nationwide, offer discounts when you buy multiple policies with them.

If you bundle your home and auto insurance with Nationwide, you can save up to 20%. You can also bundle the following:

• Auto, home, and life insurance

• Auto and renters insurance

• Motorcycle and renters insurance

• Boat and auto insurance

• Multiple car insurance policies

How to file a home insurance claim with Nationwide

Nationwide makes it easy to file a claim by following these steps:

Nationwide vs. other insurance companies 

The property insurance market is highly saturated, and many reliable companies offer similar coverage. Here’s how Nationwide compares to two of its main competitors.

Nationwide vs. Farmers

Farmers, which is slightly larger than Nationwide, is another major insurance company. Both Farmers and Nationwide allow homeowners to customize their coverage, though Farmers offers a reduced rate if your home has a green certification from Energy Star, the EPA, or LEED. Nationwide’s rates are more affordable than Farmers’. A $300,000 dwelling policy from Nationwide costs $2,223 per year, while the same policy from Farmers costs $2,623.

Nationwide vs. Travelers

Travelers provides home insurance in many states across the country. Along with standard coverage, the insurer offers green home coverage, which helps pay for repair costs after a covered loss if you use green materials.

Although Nationwide offers a few more discounts than Travelers, it also has slightly higher average rates. The average cost for a $300,000 dwelling policy from Travelers is $2,213, while Nationwide charges $2,223 for the same policy.

Nationwide home insurance FAQs