• Cons
    Mobile or manufactured homes are not insured., Not available in certain states.
  • Coverage Type
    Around the median
  • Discounts Type
    Impressive
  • Consumer Complaints
    Nationwide received less than the predicted number of complaints to state regulators for home insurance, relative to its size, based on three years of data from the National Association of Insurance Commissioners.
  • Digital Experience
    Managing your homeowners policy on the Nationwide website is straightforward, where you can pay bills, get quotes, and file and track claims. The site's learning center features articles on various home insurance topics., Nationwide's mobile app, compatible with iOS and Android, allows you to view policy info, file claims, pay bills, and sign up for autopay.
  • Discounts
    Combining homeowners and auto insurance with Nationwide., Buying your home within the past year., Maintaining a claims-free record., Having a new roof made of qualifying materials., Installation of smoke detectors, fire alarms, burglar alarms, or other protective devices., Continuous insurance coverage with another provider., Residing in a gated community., Possessing select smart-home technology.
  • Falls Short
    Expensive rates. Nationwide's average annual premium is above the national average, as per NerdWallet's rate analysis., Unavailable in Alaska, Hawaii, Louisiana, or Oklahoma. Homeowners in these states will need to seek other insurance providers.
  • Contacting Customer Service
    You can contact your local agent or call 877-669-6877 for assistance. Customer service is available on weekdays from 9 a.m. to 8 p.m. ET. Additionally, a chatbot on the Nationwide site can answer basic queries.
  • Claim Filing
    A Nationwide home insurance claim can be filed online, on the Nationwide mobile app, or by calling 800-421-3535. An adjuster will be assigned by Nationwide who will guide you through the process. For guidance, see how to file a home insurance claim.
  • Not Covered
    Flooding., Earthquakes., Landslides., Backed-up sewers or drains., Negligence in maintenance.
  • Optional Coverage
    Extended replacement cost coverage, which raises your dwelling coverage limit in case rebuilding your home after a covered disaster costs more than expected., Brand New Belongings, which provides enough to restore damaged items or replace them with new ones. (A standard homeowners policy only covers older items for their depreciated value.) Learn more about actual cash value vs. replacement cost., Better Roof Replacement, which covers the cost of rebuilding your roof with more durable materials if it's damaged due to a covered reason., Identity theft coverage to monitor your personal information and assist with resolution if your identity is compromised., Additional coverage for valuables such as jewelry, art, and other high-value possessions., Water backup coverage for damage resulting from an overflowing sump pump or a backed-up drain., Service line coverage, which covers damage, excavation costs, additional living expenses, and other costs associated with the repair or replacement of underground service lines.
  • NAIC Complaints
    Less than anticipated
  • Pros
    Provides a free smart device to prevent electrical fires in several states., Numerous discounts are available., The website is packed with helpful features and information.
  • Standar Coverage
    Dwelling. Covers the cost to repair or rebuild the structure of your home., Other structures. Provides coverage for damage to detached structures like sheds or fences., Personal property. Covers the cost to repair or replace personal items such as furniture or clothing., Loss of use. Covers living expenses like hotel stays and restaurant meals if you have to live elsewhere while your home is being repaired under a covered claim., Personal liability. Covers legal costs and damages if you're liable for injuries to others or their property., Medical payments. Covers injuries to your home's visitors, regardless of who's at fault.
  • Stands Out
    Savings opportunities. Nationwide provides an array of potential discounts, ensuring most homeowners will qualify for at least one., Variety of coverage options. Nationwide offers a wide range of ways to customize your policy, whether you're seeking basic coverage or a more extensive package.
  • State Availability
    Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
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