Nationwide’s standard homeowners package (HO-3) typically includes dwelling, other structures, personal property, loss of use, personal liability, medical payments and credit card/forgery coverage. For broader protection, Nationwide highlights endorsements such as Brand New Belongings (contents replacement), Better Roof Replacement, and water backup. Independent reviews also note access to popular property endorsements like equipment breakdown, service line, scheduled valuables and identity theft support (availability varies by state; see Bankrate for a current feature overview).

Given the current homeowners market—characterized by elevated catastrophe losses and rising rebuilding costs—Nationwide’s value proposition leans on flexible endorsements, discount opportunities and strong financial strength. Industry data show sustained premium pressure as the household insurance component of the CPI has posted elevated year-over-year increases through 2024–2025 (BLS CPI), amid historically high counts of billion-dollar weather events (NOAA). Below we summarize Nationwide’s coverages, pricing context, third-party satisfaction research, complaints information, and how it stacks up against competitors—anchored to the most recent studies and sources available.

For more options to protect your home, check our list of best homeowners insurance companies. 

Nationwide Home Insurance Overview

• In business since: 1925
• J.D. Power Score: See the latest 2024 U.S. Home Insurance Study; detailed company index scores are not publicly listed in the press release. Nationwide is not named among the top-ranked brands in the 2024 release.
• AM Best Financial Strength Rating: A+ (Superior) with Stable outlook (Nationwide financial strength page)
• States Served: Broadly available, with noted exceptions including Hawaii, Louisiana and New Hampshire; underwriting appetite and new-business availability may vary by ZIP code and state-level market conditions (see California’s Sustainable Insurance Strategy for current market context).

Nationwide is a long-tenured national insurer. Public J.D. Power releases for 2024 (home insurance and property claims) summarize industry results and top performers but generally do not provide every insurer’s numeric score; company-by-company details require licensed access (see Home Insurance Study and Property Claims Satisfaction Study). You can also reference the Better Business Bureau for customer feedback context. 

Nationwide Highlights

Pricing

Premiums depend on construction details, location, claims history, coverage limits, deductibles and credit-based insurance scores where permitted. Market-wide, price levels have been rising: the BLS household insurance index shows sustained year-over-year increases in recent months, while catastrophe frequency and severity remain elevated (NOAA). These pressures affect all carriers, including Nationwide. To offset costs, Nationwide offers numerous discounts (multi-policy, protective devices, claims-free, new/renovated home, gated community and more), and customers can tailor deductibles and limits to fit budget. Independent sources also emphasize potential value from resilience-focused features (e.g., fortified roofs) and smart sensors that some insurers credit in pricing, consistent with industry mitigation trends (IBHS FORTIFIED).

Coverage

All of Nationwide’s homeowners insurance policies include:

• Dwelling
• Personal liability
• Medical payments
• Ordinance or law
• Detached/other structures
• Credit card/forgery coverage

Ordinance or law helps rebuild to current code after a covered loss, and credit card/forgery coverage helps reimburse certain unauthorized transactions subject to limits.

For an added cost, customers can choose to purchase extra coverage for:

• Brand New Belongings (contents replacement)
• Better Roof Replacement
• Identity theft
• Scheduled valuables / higher item limits
• Water backup
• Equipment breakdown and service line (noted by independent sources like Bankrate)
• Earthquake
• Flood insurance (separate policy)

To decide if you need these additional coverages, make sure you have a home inventory with the original cost of each item to determine the estimated value of your assets.

Customer Experience

Current public benchmarks come from J.D. Power’s 2024 studies. The U.S. Home Insurance Study measures overall homeowners satisfaction (1,000-point scale) and names top performers by region/segment; Nationwide is not listed among the top-ranked brands in the 2024 press release, and the full company-by-company scores are not publicly posted. The U.S. Property Claims Satisfaction Study tracks claim satisfaction; again, detailed Nationwide numeric scores are not publicly disclosed in the press release.

Complaint patterns typically center on claim handling (delays, denials, settlement amounts) and underwriting/billing issues—consistent with national trends. The National Association of Insurance Commissioners’ (NAIC Consumer Information Source) publishes a complaint index by legal underwriting entity and line of business; 1.00 equals the expected level for a company of similar market share (lower is better). Because Nationwide writes through multiple affiliates, check the NAIC index values for your specific entity and year when comparing performance. Regulators are also sharpening oversight of data/AI used in underwriting and claims (see NAIC’s Model Bulletin on AI).

Purchasing insurance from Nationwide is straightforward online or through agents, with digital tools for billing, claims and account management. Availability and underwriting appetite can vary by state and hazard exposure, reflecting broader market stabilization efforts (e.g., California’s Sustainable Insurance Strategy).

Deals, discounts and add-ons

Nationwide offers multiple ways to manage premiums through discounts and tailored endorsements. Exact savings vary by state and underwriting company; review eligibility details during quoting.

Customers can save money by:

• Bundling their policies (home + auto or other lines)
• Installing fire/burglar alarms and monitored security systems
• Remaining claims-free
• Renovating electrical or plumbing systems
• Replacing or fortifying the roof
• Being a new homeowner or insuring a newer/renovated home
• Living in a gated community

You can also lower your annual premium by adjusting your deductible and coverage levels. Another way to reduce your premium is to improve credit-based insurance scores where allowed. Ask about resilience-related credits (e.g., IBHS FORTIFIED standards) that some insurers use to recognize mitigation (IBHS).

Methodology

We evaluated Nationwide using third-party satisfaction research, financial strength, coverage breadth and complaints context. For satisfaction, we reference J.D. Power’s latest publicly available releases for homeowners and property claims (2024 U.S. Home Insurance Study; 2024 U.S. Property Claims Satisfaction Study). For financial strength, we cite AM Best and other major agencies as summarized on Nationwide’s ratings page. For customer complaints, we use the NAIC’s Consumer Information Source complaint index (1.00 = expected), recognizing that Nationwide writes through multiple affiliates. We also provide broader market context using authoritative sources (e.g., BLS CPI, NOAA, NAIC AI Model Bulletin, CA Sustainable Insurance Strategy, and IBHS FORTIFIED).

The Competition

Nationwide vs. State Farm

Both carriers have strong financials (AM Best: Nationwide A+; State Farm A++). Public J.D. Power homeowners results for 2024 are reported by region and do not list every company’s numeric index; neither brand is named among the top-ranked in the 2024 press release (J.D. Power). Pricing varies significantly by state and home profile, with market-wide upward pressure reflected in the CPI household insurance index and elevated catastrophe activity (NOAA).

Nationwide differentiators include options like Brand New Belongings, Better Roof Replacement and widely used water protections, while State Farm’s strength is a large agent network and broad national footprint. Compare quotes with identical coverage limits, deductibles and key endorsements (e.g., water backup, service line, equipment breakdown) to see which carrier provides the best overall value in your ZIP code.

Nationwide vs. Allstate

Nationwide and Allstate both hold A+ (Superior) AM Best ratings. In J.D. Power’s publicly available 2024 homeowners study communications, neither is listed among the top-ranked brands; detailed numeric scores are subscriber-only (J.D. Power). Given current market conditions, premiums for either carrier can vary widely by state, catastrophe exposure and coverage choices.

Feature-wise, Nationwide’s signature endorsements (Brand New Belongings, Better Roof Replacement, water backup) can add value. Both carriers offer optional protections to round out coverage (e.g., valuables, identity theft, equipment breakdown and service line—where available). Evaluate coverage terms for roof claims, wind/hail deductibles and water-related sublimits alongside price.

The Bottom Line

Nationwide is a solid homeowners choice for those who value flexible endorsements (especially contents replacement, roof upgrades and water protections) paired with strong financial strength. Public J.D. Power reporting for 2024 indicates mixed, region-dependent satisfaction across the industry and does not publish Nationwide’s exact score. In a market with rising premiums and evolving underwriting appetites, prioritize right-sized coverage—then use discounts, mitigation credits and deductibles to optimize cost.

If you’re price-sensitive, explore multi-policy bundling and ask about protective device credits and resilience upgrades that may help on rates. Given state-by-state variability and hazard exposure, compare quotes from multiple carriers with identical limits and key add-ons to find the best fit.

For those worried about the cost, Nationwide offers a number of discounts to help customers save money. 

Nationwide Home Insurance FAQs

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