- Our thoughts on Nationwide
- Where can you buy Nationwide homeowners insurance?
- What does Nationwide homeowners insurance cover?
- How much is Nationwide home insurance?
- Nationwide home insurance discounts
- What makes Nationwide home insurance rates go up?
- Nationwide vs. competitors: How does Nationwide stack up?
- What do people ask about Nationwide?
- Is Nationwide a good homeowners insurance company?
- Methodology
Our thoughts on Nationwide
Nationwide is a big insurance company but isn’t quite available nationwide, although it has expanded to cover nearly every state.
Nationwide earned the top spot in two categories of our annual survey: claims handling and exceptional standard coverage. Claims are an area where many companies falter and are the most important measure of a home insurance company, since that’s where promises are put to the test; 84% of Nationwide customers in our survey were satisfied with the claims process. Nationwide also has an A+ rating with AM Best.
“Ratings gauge an insurer’s capacity to fulfill its insurance obligations, indicating its financial solvency,” says Siwei Gao, professor of insurance studies at Eastern Kentucky University. In other words, Nationwide can pay its claims.
In our survey, Nationwide’s customers largely said they would recommend the company and would renew their policy, a vote of confidence. Nationwide ranked at No. 6 on our 2026 Best Home Insurance Companies list.
Overall: Nationwide is a highly ranked company across the board in our survey and shines in the vital area of claims service.
Where can you buy Nationwide homeowners insurance?
Nationwide homeowners insurance is available in 44 states and D.C., offering coverage across most of the U.S.
| State | Average annual premium |
|---|---|
| Alabama | $3,197 |
| Arizona | $2,605 |
| Arkansas | $3,439 |
| California | $1,725 |
| Colorado | $5,940 |
| Connecticut | - |
| Delaware | $1,690 |
| Georgia | $2,403 |
| Idaho | $2,293 |
| Illinois | - |
| Indiana | $3,362 |
| Iowa | $2,988 |
| Kansas | $6,646 |
| Kentucky | - |
| Maine | - |
| Maryland | $2,558 |
| Michigan | - |
| Minnesota | - |
| Mississippi | $3,101 |
| Missouri | $3,221 |
| Montana | $3,500 |
| Nebraska | $5,330 |
| Nevada | $1,355 |
| New Hampshire | $1,786 |
| New York | $1,547 |
| North Carolina | $4,763 |
| North Dakota | - |
| Ohio | $2,560 |
| Oklahoma | - |
| Oregon | $1,678 |
| Pennsylvania | $1,741 |
| Rhode Island | $2,418 |
| South Carolina | - |
| South Dakota | $4,655 |
| Tennessee | - |
| Texas | $5,268 |
| Utah | $2,037 |
| Vermont | - |
| Virginia | $2,377 |
| Washington | $1,313 |
| Washington, D.C. | - |
| West Virginia | $1,574 |
| Wisconsin | $2,234 |
| Wyoming | - |
*Some state rates will vary based on the addition of a hurricane deductible and may be much higher when included.
What does Nationwide homeowners insurance cover?
Nationwide home insurance coverage includes all of the basics that are part of a standard policy:
- Your house (dwelling coverage)
- Any detached structures on your property (other structures)
- All of the contents of your house (personal property)
- Extra bills incurred when you can’t live at home due to a covered loss (loss of use/additional living expenses)
- Damages or injuries to others caused by you or occurring on your property (personal liability and medical payments)
Also included as standard with a Nationwide home insurance policy are:
- Law or ordinance coverage to build your home up to new standards or codes
- Credit card coverage for unauthorized transactions
There are also some options you can add to your Nationwide homeowners policy for extra coverage:
- Brand New Belongings, Nationwide’s replacement cost coverage for contents
- Better Roof Replacement, which pays to upgrade roof material
- Identity theft
- Valuables Plus high-value item coverage
- Increased dwelling replacement cost, up to two times your dwelling coverage
- Water backup
- Service line repair
- Equipment breakdown
Nationwide home insurance excludes all of the common perils not covered by a standard policy:
- No coverage for floods and earthquakes (earthquake can be endorsed)
- Coverage limits on certain types of personal property, like jewelry, fine art, musical instruments and sports equipment
- No coverage for excluded perils like war and terrorism, nuclear hazards, animal and pest damage and water and sewer backup (unless endorsed)
How much is Nationwide home insurance?
The average cost of a Nationwide homeowners insurance policy at our benchmark coverage of $300,000 dwelling and liability, and a $1,000 deductible is $2,983. Coverage level will affect the average rate, as seen in the table below. And, of course, your Nationwide home insurance quote will differ based on the particulars of your house.
| Coverage level ($1,000 deductible) | Average annual rate |
|---|---|
| $200,000 dwelling, $100,000 Liability | $2,212 |
| $200,000 dwelling, $300,000 Liability | $2,219 |
| $300,000 dwelling, $100,000 Liability | $2,968 |
| $300,000 dwelling, $300,000 Liability | $2,983 |
| $400,000 dwelling, $100,000 Liability | $3,723 |
| $400,000 dwelling, $300,000 Liability | $3,752 |
| $600,000 dwelling, $100,000 Liability | $5,319 |
| $600,000 dwelling, $300,000 Liability | $5,342 |
| $1,000,000 dwelling, $100,000 Liability | $7,813 |
| $1,000,000 dwelling, $300,000 Liability | $7,761 |
Nationwide home insurance discounts
Nationwide’s biggest discount is for a new home, saving more than half of the average price. But owners of older homes can combine multiple discounts to save.
| Discount type | Average rate before discount | Average rate after discount | % discount |
|---|---|---|---|
| Bundle | $3,323 | $3,046 | 9% |
| Burglar alarm | $3,195 | $3,098 | 3% |
| Claims free | $2,382 | $2,380 | >1% |
| Fire alarm | $3,210 | $3,135 | 3% |
| Loyalty | $2,819 | $2,538 | 9% |
| New home | $3,262 | $1,188 | 58% |
| Paid in full | $3,935 | $3,711 | 7% |
| Smoke detector | $5,839 | $5,674 | 3% |
| Sprinklers | $3,298 | $3,165 | 5% |
| Water safety system | $1,569 | $1,449 | 8% |
What makes Nationwide home insurance rates go up?
Claims have the biggest effect on Nationwide rates; a history of claims can cause your rate to rise by 38% on average.
| Reason | Average rate before | Average rate after | % increase |
|---|---|---|---|
| Claims | $3,323 | $4,417 | 38% |
| Distance from coast | $2,530 | $2,622 | 4% |
| Home-based business | $2,672 | $2,893 | 11% |
| Proximity to fire station | $906 | $921 | 2% |
| Wood-burning stove | $3,596 | $3,681 | 2% |
Nationwide vs. competitors: How does Nationwide stack up?
Nationwide performed well across our survey. Customer satisfaction was a strong category, with 85% of customers reporting satisfaction.
| Company | Average annual rate | Customer satisfaction | Ease of service | Policy offerings |
|---|---|---|---|---|
| Nationwide | $2,983 | 85% | 85% | 85% |
| American Family | $2,759 | 76% | 84% | 78% |
| Travelers | $2,235 | 84% | 91% | 89% |
What do people ask about Nationwide?
People have a lot of questions when it comes to insurance companies, and Nationwide is no different. Take a look at some of the common questions about Nationwide home insurance.
Is there a grace period for Nationwide insurance?
Yes. The Nationwide grace period for home insurance payments is 25 days, according to the company website.
Why did my Nationwide homeowners insurance go up?
Home insurance rates across the country are going up, including at Nationwide, due to rising costs and severe weather. Some rate increases may be due to individual factors; contact Nationwide for an explanation of your rate increase.
Does Nationwide offer home insurance in Florida?
No, Nationwide doesn’t currently offer home insurance in Florida.
Is Nationwide a good homeowners insurance company?
A good home insurance company is one that’s there for customers when they need it. While Nationwide didn’t score as highly as some competitors in our survey, third-party ratings for the company are solid.
Do people trust Nationwide?
According to our survey, 90% of current Nationwide customers who responded said they trust the company. That’s about average.
| Company | Percent of customers who say they trust the company |
|---|---|
| Nationwide | 90% |
| State Farm | 90% |
| American Family | 87% |
Do people recommend Nationwide?
Nationwide isn’t as highly recommended as many competitors; in our survey, 85% said they’d recommend Nationwide to others.
| Company | Percent of customers who would recommend the company to others |
|---|---|
| Nationwide | 85% |
| Progressive | 82% |
| Farmers | 88% |
Do people plan to renew with Nationwide?
Although it wasn’t the highest score, a solid 92% of respondents said they plan to renew their Nationwide homeowners insurance.
| Company | Percent of customers who plan to renew with the company |
|---|---|
| Nationwide | 92% |
| Allstate | 95% |
| Progressive | 87% |
Is Nationwide good at paying claims?
Yes. Nationwide earned a score of 709 on J.D. Power’s 2025 Property Claims Satisfaction Study, an above-average ranking. The average in the study was 682. That’s a good sign that you can be confident your Nationwide house insurance claim will be paid. In our survey, 84% of Nationwide customers said they were satisfied with the claims process, tying for first place.
| Company | Survey satisfaction | J.D. Power score |
|---|---|---|
| Nationwide | 84% | 709 |
| American Family | 84% | 680 |
| Auto-Owners | 62% | 719 |
Methodology
Insurance.com surveyed more than 2,000 insurance customers in the fall of 2025. The survey was conducted by online market research company Dynata.
Respondents were asked to name their home insurer and then grade it in the following categories:
- Customer satisfaction
- Ease of service
- Policy offerings
- Claims satisfaction
- Digital experience (website/app)
- Insurance shopping and buying process
- Billing process
- Discounts offered
- Fair rate increases over time
- Older home coverage
- Extra coverage included as standard
- Home and auto bundling
The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.
We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:
- I plan to renew with my current home insurance company
- I would recommend my home insurance company to others
- I trust my home insurance company
The percentage of respondents who said yes is presented in the results.
The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.
They then collected AM Best data, which measure financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.
They also collected insurance rate data from Quadrant Information Services.
With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For home insurers, we took the following and gave each a weight.
- Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
- AM Best: 25% of total score
- Annual premium: 20% of total score
- NAIC: 15% of total score
Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.
Helpful home insurance tools and calculators
