Nationwide homeowners insurance offers a wide variety of coverage against all sorts of perils and some of the best homeowner discounts in the industry, but you have to speak to a representative if you want to get a direct quote.
Nationwide homeowners insurance offers protection against all kinds of damage, including fire, water, lightning, tornadoes, and theft of your personal property. You can also purchase additional coverage against earthquakes, landslides, and floods, which could be especially useful to have if you live in an area that is prone to any of these disasters. Nationwide also allows you to add an umbrella policy and identity fraud expense coverage as well. If something does happen to damage your home, Nationwide will even pay for your living expenses while your home is being fixed.
Wide variety of homeowner discounts:
Nationwide homeowners insurance offers some of the best discounts in the industry, including a 20% discount for bundling your home and auto insurance with Nationwide. Installing protective devices, such as smoke detectors or burglar alarms, will earn you another 15% off, and remaining claim-free is worth another 20%. The age of the home and the age of the insured can earn you some big discounts as well. Nationwide also offers a few unique discounts, including up to 5% off if you are married or widowed.
Brand New BelongingsSM:
If your personal property is damaged or stolen, Nationwide's Brand New BelongingsSM program will help you either repair or replace them with brand-new versions. Nationwide will send you the cash value of the damaged items, and then you can either have them repaired or purchase new ones. Then you just send the receipts back to Nationwide and they will pay you for the difference. It's that simple. If you don't want to go through all the trouble of replacing your stolen or damaged items yourself, you can speak to a Nationwide agent and they will take care of it for you.
Mixed financial strength ratings:
Although Nationwide homeowners insurance does have an A+ financial strength rating from A.M. Best, their overall financial outlook doesn't appear to be as strong as some of their competitors. Finding a company that has a strong financial outlook is somewhat important because you want to know that they are going to be there in the future.
Can't get a quote online:
Nationwide does not have an online tool that you can use to get a homeowners insurance quote. Instead, you must call Nationwide, or fill out a form online and wait for them to contact you. Finding the right homeowners insurance policy can be a tricky process, so having an agent to talk to is often very helpful. If you are just comparison shopping, you can get a quote from multiple providers.
AM Best FSR
AM Best ICR
Financial Size Category
$2 billion or greater
Moodys Financial Strength
Standard and Poors FSR
Home Insurance Coverages
Condominium Insurance (HO6) - The insurance provider offers HO6 coverage for condos.
Farm/Ranch - You can buy insurance to protect your farm or ranch.
Premier Policy (HO5) - The insurance providers offers HO5 coverage that includes open perils coverage on personal property.
Rental Property Insurance - You can buy insurance to protect your rental property.
Renters (HO4) - The insurance provider offers renters insurance.
Special Form (HO3) - The insurance provider offers HO3, open perils coverage.
Mobile Home - You can buy insurance to protect your mobile home.
Older Homes (HO8) - The insurance provider offers HO8 coverage for older homes.
Age of Construction Discount - Discounts based on the age of your home are available.
Age of Insured Discount - Discounts based on the homeowner's age are available.
Claim-Free Discount - You can receive a discount for remaining claim-free for a certain period of time.
Multiple-Policy Discount - You can receive a discount for having multiple insurance policies with the same company.
Newly Purchased Home - You can receive a discount if you recently purchased your home.
New/Renovated Home - You can receive a discount if your home is new or recently renovated.
Protective Device Discount - You can receive a discount if you have smoke detectors, fire alarms, burglar alarms, or other protective devices.
Aircraft - Damage to your home caused by an aircraft is covered.
Explosion - Damage to your home caused by an explosion is covered.
Fire - Damage to your home caused by fire is covered.
Ice/Snow/Sleet - Damage to your home caused by ice, snow, or sleet is covered.
Lightning - Damage to your home caused by lightning is covered.
Plumbing - Damage to your home caused by a frozen, burst, or damaged water pipe is covered.
Riot/Civil Commotion - Damage to your home caused by a riot or civil commotion is covered.
Smoke - Damage to your home caused by smoke is covered.
Theft - The home insurance company covers any loss or damage to your home due to theft is covered.
Tornado - Damage to your home caused by a tornado is covered.
Vandalism - Damage to your home caused by vandalism is covered.
Water - Damage to your home caused by water is covered.
Wildfire - Damage to your home caused by a wildfire is covered.
Wind - Damage to your home caused by wind is covered.
Dwelling - Coverage for the cost of rebuilding/repairing your home if it is damaged by a covered peril is available.
Loss of Use - If your home is damaged or destroyed, the insurance company will cover living expenses while repairs are made.
Medical Payments - Coverage for medical payments is available.
Nationwide Availability - The insurance company is available in at least 48 states.
Other Structures - Coverage for detached garages, sheds, or other structures on your property is available.
Personal Liability - Coverage for lawsuits associated with bodily injury or property damage that you may be responsible for is available.
Personal Property - The insurance company covers the cost of replacing your possessions if they are destroyed by a covered peril.
Additional Policy Protection
Computer Coverage - You can add computer coverage to your insurance as an additional policy or as an endorsement.
Earthquake Insurance - You can add earthquake coverage to your insurance as an additional policy or as an endorsement.
Flood Insurance - You can add flood coverage to your insurance as an additional policy or as an endorsement.
Identity Fraud Expenses - You can add identity fraud expense coverage to your insurance as an additional policy or as an endorsement.
Landslide Insurance - You can add landslide coverage to your insurance as an additional policy or as an endorsement.
Personal Umbrella Policy - You can add personal umbrella coverage to your insurance as an additional policy or as an endorsement.
Scheduled Personal Property - You can add scheduled personal property coverage to your insurance as an additional policy or as an endorsement.
Water Backup and Sump Overflow - You can add water backup or sump overflow coverage to your insurance as an additional policy or as an endorsement.
24/7 Claims Center - You can contact a claims center 24/7.
Agent Claim Filing - You can contact an agent to file a claim.
Deductibles - Flexible deductibles are available.
Mobile Claim Filing - You can file a claim through a mobile app.
Online Claim Filing - You can file a claim online.
Photo Upload - You can upload photos of damaged property to assist with the claims process.
Telephone Claim Filing - You can file a claim via telephone.
Online Photo Inventory - You can upload images of your personal property to an online location to document your property and help facilitate the claims process.
Locate an Agent - A tool is available online to help you locate an agent.
Manage Your Policy - You can manage your insurance policy online.
Online Policy Purchase - You can purchase a policy entirely online.
Online Rate Quotes - You can get a quote on the company's website.
Automatic Payments - Payments can be scheduled automatically.
Credit Card Payments - You can make a payment with your credit card.
Flexible Payment Options - Flexible payment terms over different periods of time are offered.
Mail Payments - Payments can be mailed.
Online Payments - Payments can be made online.
Pay by Bank Account - You can make a payment directly from your bank account.
Phone Payments - Payments can be made over the phone.
Prepayment - Policies can be prepaid in full, often at a discount.
Email/Ticket - An email or ticket system dedicated to support is available.
Phone - You can contact the company by phone to get support.
Social Media - You can contact the home insurance company with questions through social media websites.
Live Chat - You can contact the company through live chat.
A.M. Best Excellent or Better - The company has an A.M. Best rating of "A" or better.
S&P Rated Very Strong - The company has an S&P FSR rating of "AA-" or better.
ICR Rating Stable - The company has an A.M. Best Credit Rating rating of "Stable" or better.
Moody Rated Very Strong - The company has a Moody's rating of "Aa3" or better.
Blog - The company provides a blog with relevant insurance information.
FAQs - The company provides a list of answers to frequently asked questions.
Forum - The company provides an interactive forum where users can post questions and answers.
Glossary - The company provides a glossary of common industry terms.
Video Tutorials - The company provides video tutorials.
Knowledge Base - The company provides a knowledge base of detailed help articles.
Android - An Android app that allows you to access your home insurance policy is available.
Claim Details - You can update your home insurance claim details through a mobile app.
Connect with an Agent - You can connect directly with an agent through a mobile app.
File a Claim - You can initiate or file a new claim through a mobile app.
iPhone - An iPhone app that allows you to access your home insurance policy is available.
Mobile Website - A mobile-specific website is available.
Pay Premium - You can pay your premium through your mobile app.
Edit Policy - You can edit or change your policy details with a mobile app.
Favorable Mobile App Store Reviews - The company has a combined 3.5 stars or greater for their iPhone and Android apps.
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