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Nationwide home insurance review

Last updated:  

Bulk up your home protection with unique options you won’t find with other insurers.

  • Get a quote if
  • Pick something else if top customer service is a must.
  • Homeowners with new or renovated homes may get the best premium.

44 states (available everywhere except AK FL HI LA MA NJ & NM)

Available states

24/7 claims

Online quotes

Details

Pros

  • Wide protection
  • Inflation protection
  • Online quotes and claims
  • Equipment breakdown and replacement cost coverage

Cons

  • Subpar customer ratings
  • Some misleading advertising
  • No policy changes through the app
New home discount discount No
New homeowner discount Yes
Home safety features discount No
New policy discount Yes
Bundling discount Yes
No claims discount Yes
Other discounts
Dwelling coverage Yes
Personal property coverage Yes
Valuable personal property Yes
Theft coverage Optional
Fire coverage Yes
Flood coverage No
Identity theft coverage Optional
Homesharing No
Dwelling coverage Yes

Expert review

Sarah George

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for over three years after graduating with an English Education degree. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Nationwide has a unique and useful offering that includes equipment breakdown, credit card fraud or replacement cost coverage. It also provides online quotes and automatically boosts your policy limits to keep up with inflation.

However, you can’t change your policy online, and the insurer has a poor reputation for customer service. If you value those two things, it’s worth comparing home insurance providers.

What home insurance coverage does Nationwide offer?

Nationwide keeps a balanced list of standard and optional coverage for well-rounded protection. Coverage you can choose:

  • Personal liability
  • Personal injury liability
  • Medical payments
  • Dwelling
  • Other structures
  • Replacement cost plus increases dwelling coverage limits up to 20%.
  • Water backup
  • Contents including full replacement coverage for repair or brand new belongings
  • Valuable personal property
  • Tools
  • Better roof replacement
  • Loss of use
  • Additional biological deterioration or damage cleanup and removal for mold, algae, bacteria, fungi, wet or dry rot
  • Update your home to new building codes without paying out of pocket
  • Identity theft
  • Loss for theft of credit or debit card number, ATM information, forged checks or counterfeit money
  • Renovation building material theft
  • Protection boost to increase the limits on specific items for liability coverage
  • Earthquake
  • Flood insurance
  • Equipment breakdown replacement up to $50,000. Plus get an extra 25% of your limit to replace with eco-friendly equipment, and up to $3,000 to clean pollutants or replace with energy efficient equipment.

What home insurance discounts can I get with Nationwide?

Nab several helpful discounts with Nationwide, including:

  • Claims free
  • Gated community when protected by key-lock devices, residence cards or security guards
  • New home purchased in the last 12 months
  • Home renovation credit for updating your home’s cooling and heating, electrical, heating or plumbing system
  • Multipolicy bundling
  • Prior insurance
  • Protective device including smoke detectors, fire alarms and theft alarms
  • Roof age and materials

Pros and cons of Nationwide home insurance

Pros

  • Wide protection. Have your pick of coverage from home to roof and the tools in your garage.
  • Inflation protection included. Nationwide automatically increases your policy limits to match inflation during your term.
  • Online quotes and claims. Get the convenience of shopping or making a claim online or by phone. Some claims might not even need a home visit to be settled.
  • Equipment breakdown and replacement cost coverage. Rare standout coverage options include replacing your expensive appliances and home at today’s cost.

Cons

  • Subpar customer ratings. Of almost 100 customer ratings, Nationwide’s average score was 1 out of 5 stars on the Better Business Bureau. It also scored 2 out of 5 stars for overall satisfaction with J.D. Power.
  • Some misleading advertising. Some wording could be confusing, like the Brand New Belongings coverage that repairs an item instead of replacing it.
  • No policy changes through the app. You can view your policy information online, but you can’t add or edit coverage without a representative’s help.

How to apply for Nationwide home insurance

Follow several steps to get started with your Nationwide home policy:

  1. From the homeowners page, click to Get a quote. Then, enter your ZIP code in the dropdown and click Start your quote.
  2. Evaluate questions about your home that may require you to get a phone quote. Click to Get a quote.
  3. Enter basic personal information and accept the disclosure. Click Continue.
  4. Fill in information about your home and click Continue.
  5. Answer questions about your home’s safety features. Click Continue.
  6. Receive your quote, accept add-ons or edit coverage. Choose to Begin purchase.
  7. Review your information, choose your start date and enter payment details. Finally, confirm your purchase.

What info do I need to apply for home insurance with Nationwide?

Besides providing personal and contact info, make applying simpler by rounding up some information beforehand:

  • Marital status
  • Date of home purchase
  • Number of residents
  • Number of years with current home insurer
  • Home safety features
  • Coverage needs
  • Policy start date
  • Payment details

Alternatives to Nationwide

Name Product Storm & water backup Valuable property Enhanced rebuild Homeshare coverage Available states
Hippo home insurance
AL, AZ, CA, CO, GA, IL, IN, MD, MN, MS, MO, NV, NM, OH, PA, SC, TN, TX, UT, WI
Get an online quote in 60 seconds and find out how much you could save with Hippo.
Kin home insurance
AL, FL, GA, TX
Get coverage fast with policies designed to protect coastal homes.
Progressive home insurance
All 50 states
Protect your home and auto insurance with Progressive to save a bundle.
Allstate home insurance
All 50 states
Protect your home and belongings and save even more by bundling insurance with Allstate.
Liberty Mutual home insurance
All 50 states
Invest in affordable insurance that protects your home and your property from damage no matter where you live.
Gabi home insurance
Gabi home insurance
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Geico home insurance
All 50 states
Save big with Geico's home insurance discounts and bundling, all with easy online management.
Policygenius home insurance
All 50 states
This online marketplace does most of the work for you, matching you with quotes from 12 highly rated home insurers.

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Frequently asked questions about Nationwide home insurance

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