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Nationwide Home Insurance Ratings
Ranked
No. 5 Overall
Other Companies to Consider:
Reasons for Buying from Nationwide
Customers of Nationwide originally decided to purchase from the company for these reasons:
| Recommended by friend or family member | 24% |
| I had other insurance with this company | 21% |
| Reputation | 19% |
| Offered best price | 18% |
| Financial Strength rating | 4% |
| Saw online ad | 4% |
| The company website and mobile apps are easy to use and helpful | 4% |
| Was the company my parents had | 4% |
| Saw TV commercial | 2% |
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About Nationwide
Homeowners policies offered
- Dwelling coverage
- Condo insurance
- Renters insurance
- Water backup of sewer
- Other structures coverage
- Personal liability
- Flood coverage
- Earthquake insurance
Additional policies include
- Auto insurance
- Life insurance
- Umbrella
- Small business insurance
- Pet insurance
- Dental insurance
Best Home Insurance Companies 2020: How Nationwide Home Insurance Measures Up
In the 2020 consumer survey looking for Best Home Insurance companies, Nationwide ranked 5th overall with a score of 87.18. Its highest showing for individual rating factors was 2nd for customer service, next highest was 6th place for ease of use of website and apps. For value for price and claims service, Nationwide claimed 7th place. Surveyed policyholders seem pretty pleased with their Nationwide home insurance and most, 93%, said they plan to renew with Nationwide and 83% said they are going to recommend the company to friends and family.
Gauging an insurance company
Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Nationwide's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For home insurance, Natiowide (NAIC# 23760) had a complaint ratio of 0.66 for 2018. 2019 complaint numbers will be available in 2020.
Company Background
Nationwide homeowner's programs
- Brand New Belongings -- When things inside your house are damaged, destroyed or stolen, you'll first receive funds for the actual cash value of your covered items (i.e., what you originally paid for them). Then after you buy the new replacements, or have them repaired, you'll send your receipt to Nationwide, and they'll pay the difference.
- Better Roof Replacement -- You don't want to just replace a worn roof with the same types of materials that wound up giving you a subpar roof. You want to replace it with something better that can stand up to extreme weather. Better Roof Replacement does just that.
From Ohio farmers to national coverage
Like a few of its competitors, Nationwide began in 1926 – with 1,000 policyholders – as an auto insurer for farmers – although strictly for farmers in Ohio. (Nationwide was and still is headquartered in Ohio's capital, Columbus.) In fact, because it was a regional operation, the insurance company was called Farm Bureau Mutual Automobile Insurance Company. But they soon began branching out, offering insurance to farmers in West Virginia in 1928, and soon after, to farmers in other states.
By 1955, painfully aware that Farm Bureau Mutual Automobile Insurance Company was outdated and inaccurate (they were offering far more than auto insurance), the company adopted the name, Nationwide. It was still a little inaccurate: Nationwide didn't yet offer insurance across the entire nation. But it would get there.
Today, the company is a powerhouse, one of the biggest insurance companies in the world.
Consider Nationwide if you want more services than only insurance
Nationwide doesn't only offer insurance. It can help you plan your retirement. You can get a mortgage loan or refinance your home through Nationwide. You can invest with CDs or get a home equity line of credit through Nationwide. Using one company to manage your finance life may be the way, at least for some people, to stay on top of everything.
Contact information
Nationwide Headquarters
One Nationwide Plaza
Columbus, Ohio 43215-2220
Customer service: (877) 669-6877
Types of special coverage
Unauthorized transactions. Pays up to your limit for unauthorized credit, debit and ATM card.
Discounts
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Alarm systems and safety devices. Discount for having security and fire-suppression systems.
Claims-free. Discount if you don't file claims.
Home renovation. Discount if you make home renovations.
Roof rating. Discount depending on the age and state of your roof.
Recent home purchase. Discount for newly purchased home.
Prior insurance. Discount for new members who were previously insured.
Gated community. Discount for residents of gated communities.
Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"It is mediocre at best"
"Phone customer service is hard to reach."
"They suggest helpful policy according to the wants of customer"
"It just sucks because it takes up to 5 hours to get on the phone with an agent."
"I would rather not recommend this company"
"No contact really as I just go thru broker."
"I would like want a more interactive website"
"We don't have to deal with them much thank God."
"Wish they covered more if I were to lose my house and belongings. We pay and many of us never need to use the insurance yet there is no return on an investment we didn't need and if we do need it, it doesn't cover everything."
"I haven't had to deal with them"
"They aren't easy to talk to and make everything overwhelming for me as a customer."
"I am confused by all of the insurance options. I never know what I need and what I do not need."
"It's not very good service or coverage and is expensive"
"Sometimes it is taking awhile to answer queries online."
"They don't cover water damage. Look for another insurer that does."
"I had a claim for storm damage which was not fully paid out or explained very well"
"It has always been ok. I have made no claims so I have no real experience. I wish it was a little cheaper or someone went through my policy with me to explain areas where I may need more or less coverage."
"Be careful hiring contractors for claims work until money is in hand"
" I haven't had to find a claim or anything so I can't really say"
"I don't like that I have to use various logins to see all of the policies and billing statements for all of the insurance that I pay for just because I am not listed on my husbands motorcycle insurance"
"It's ok"
"Insurer that has had bad recommendations at the moment and I want to change"
"Good customer service. Always friendly. A little pricey."
"It just ok like all others I have used...its a same you policy price is paid in credit score..one has nothing to do with the other"
"There are standard cover for repairing or even rebuilding customers home whatever the cost."
"No problems to date but I have not filed any claims"
"Just switched in the past week. Looking forward to exploring on line options and information with them."
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"If you want the greatest security for your home, I recommend them totally"
-Age 18-36, California"Is a good, honest company"
-Age 18-36, California"Keeps my family home safe."
-Age 18-36, California"They solved all my problems"
-Age 18-36, California"They are always innovating and letting you know what is coming in the near future"
-Age 18-36, California"Decent rate. Good customer service. I don't have to think much about it and that's a good thing"
-Age 18-36, Connecticut"Customer service and price are great"
-Age 18-36, Georgia"Good people to keep in touch for great future. Safe/Secure."
-Age 18-36, Georgia"I like all about this company"
-Age 18-36, Georgia"They have great customer service"
-Age 18-36, Kansas"They are awesome and have an online chat"
-Age 18-36, Michigan"A company that really gives a good costumer service"
-Age 18-36, New York"Great customer service provider"
-Age 18-36, New York"Insurance policy is aimed specifically at senior citizens. It provides cover to anyone from the age of 60 and permits entry right up to the age of 75 with continuity cover."
-Age 18-36, New York"It gave all the best options for my needs"
-Age 18-36, New York"It's great insurance"
-Age 18-36, New York"The best of all home insurers I've used"
-Age 18-36, New York"Great service, I love it!"
-Age 18-36, North Carolina"Cool company"
-Age 18-36, North Carolina"My home insurer has done well with working with me. I would definitely share my experience for somebody looking for better options."
-Age 18-36, North Carolina"Same great customer service over all the years"
-Age 18-36, North Carolina"They're a great company to have"
-Age 18-36, North Carolina"Claim experience was easy and relatively fast."
-Age 18-36, North Dakota"The customer service is very good and offers many offers"
-Age 18-36, Ohio"They are great caring company."
-Age 18-36, Ohio"This company is completely reliable and their services are excellent."
-Age 18-36, Ohio"Great, sincere company"
-Age 18-36, Pennsylvania"Great homeowner insurer "
-Age 18-36, Pennsylvania"They care, what more could a person ask for?"
-Age 18-36, Pennsylvania"Good customer service"
-Age 18-36, Pennsylvania"They have great prices that most people can afford."
-Age 18-36, South Dakota"Good company"
-Age 18-36, Tennessee"Pretty much the same as my car insurance because it's the same company. I get a good value for my money."
-Age 18-36, Tennessee"They are a fine company to deal with; I have no issues with them"
-Age 18-36, Texas"They are above average, very good service"
-Age 18-36, Texas"Very good company, I like them"
-Age 18-36, Texas"When my house needed a new roof, the service I received from Nationwide was excellent. They were professional, courteous, and helped me throughout the process."
-Age 18-36, Texas"They are a very good company for renter's insurance. Cover many things that most other companies don't."
-Age 18-36, Virginia"Reliable and affordable"
-Age 18-36, Washington"Nationwide really is on your side They help me get what I need done when I need to file a claim and are very nice & helpful"
-Age 18-36, West Virginia"I love it!"
-Age 18-36, Alabama"They take the initiative to cover all needs of customer through their complete policies"
-Age 18-36, Arkansas"I trust them"
-Age 18-36, California"I tell others that they are different from other insurance companies in a good way"
-Age 18-36, California"The prices are great, customer service are caring and professional, easy to do business with."
-Age 37-52, Arizona"It has reasonable premium according to my budget."
-Age 37-52, California"It has solid coverage and a competetive premuim"
-Age 37-52, California"There a good company that will treat you right and take care of you"
-Age 37-52, California"Give quick answers to any questions"
-Age 37-52, Connecticut"Our homeowner's policy has not fluctuated much in the years that we've had it, but when it does change slightly my agent is always there with an explanation. He's amazing and THE main reason we won't switch companies."
-Age 37-52, Delaware"Customer service is very helpful"
-Age 37-52, Illinois"Good customer service. Quick response to all queries."
-Age 37-52, Indiana"That they offer good insurance amounts for a decent price. The carrier was easy to do business with and the paperwork easy to read and understand."
-Age 37-52, Indiana"Good company"
-Age 37-52, Kentucky"It's a business partner you can trust with"
-Age 37-52, Minnesota"I like them. Basic renters insurance less than $150 per year premium. Mandated by landlord, while I will likely never file any claim."
-Age 37-52, New York"I have always had the necessary coverage of my policy when I have been presented with some situation that has required me to use it, they have always supported me correctly"
-Age 37-52, New York"Nationwide has been my homeowner's insurance for 20+ years. They are certainly worth checking out."
-Age 37-52, North Carolina"Nationwide is excellent"
-Age 37-52, North Carolina"That you can reach someone by phone to answer your questions. They put a name to a face and know who you are."
-Age 37-52, North Carolina"They are a very reliable company"
-Age 37-52, Ohio"They are a solid company with good service"
-Age 37-52, Ohio"I haven't had any real experience with them, but from what I've seen, they handle claims quickly and easily."
-Age 37-52, Pennsylvania"Its a company that seems to be customer friendly. I appreciate that in them"
-Age 37-52, Pennsylvania"My insurer is easy to work with and is available whenever I need them."
-Age 37-52, Pennsylvania"When I initially set up the policy the representative was very nice and answered my questions. She even got her supervisor to answer one question I had asked to which she did not know the answer."
-Age 37-52, South Carolina"Hassle free environment"
-Age 37-52, Tennessee"It's easy to reach a live person, easy to do business with"
-Age 37-52, Texas"Prompt services given"
-Age 37-52, Texas"It's a trusted company"
-Age 37-52, Utah"That the insurance is excellent."
-Age 37-52, West Virginia"Innovative ways of doing traditional things"
-Age 53+, Arizona"Provides the insurance that meets my needs."
-Age 53+, California"Good answers and good response from their staff"
-Age 53+, Delaware"Good coverage"
-Age 53+, Delaware"I recently made a claim due to hail damage on my roof. They were out here within a day or two with an estimate. Later we found additional damage, and they covered that, too."
-Age 53+, Illinois"Good customer service, caring people."
-Age 53+, Kansas"Just impressed with their reputation in market. Fine experience not excellent."
-Age 53+, Kentucky"Sure solution of your queries you will get"
-Age 53+, Kentucky"Very fast at getting your home insured"
-Age 53+, Kentucky"My best recommendation to all"
-Age 53+, Maryland"Their website is easy to navigate and good, friendly people to talk to on the phone."
-Age 53+, Maryland"They are a great company. They care about their customers."
-Age 53+, Michigan"Very friendly and helpful people"
-Age 53+, Minnesota"Claim specialist, ready to step in and running things smoothly and smartly."
-Age 53+, New York"The seriousness they present when they do everything makes me confident in them."
-Age 53+, New York"Excellent on claims coverage."
-Age 53+, North Carolina"It offers the best price for me and deductible."
-Age 53+, North Carolina"Nationwide is on your side with the help that you need."
-Age 53+, North Carolina"The office is just down the road, easy to deal with."
-Age 53+, North Carolina"They considered my needs"
-Age 53+, North Carolina"Very good customer service. dependable"
-Age 53+, North Carolina"Great customer service"
-Age 53+, Ohio"Good customer service"
-Age 53+, Pennsylvania"Responsive to my questions"
-Age 53+, South Carolina"It is easy to get them and they provide good customer service."
-Age 53+, South Dakota"They are very helpful"
-Age 53+, Tennessee"Fair price, good service, wxcellent coverage"
-Age 53+, Texas"This insurance company was very easy to deal with. When I called for a quote, I was given a quote right away. I was impressed with this because sometimes companies make you go through a number of calls and other hoops before they give you the bottom line. The rate I got beat any other quote by at least $200-$300. The customer service is good, and they follow up in a very timely manner."
-Age 53+, Wisconsin