Nationwide home insurance ratings and review 2026

Nationwide took the No. 6 spot for home insurance in 2026, with the best score among national carriers for claims handling. Rates are on the higher side, but customers report strong satisfaction with the standard policy coverages.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.

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Our take: Nationwide home insurance

Nationwide is the No. 6 company in our 2026 Best Home Insurance Companies ranking. It earned the top score among national carriers for claims handling, but higher-than-average rates and a higher-than-average complaint volume are likely behind its one-place drop on the list this year.

  • Nationwide’s rates are the second most expensive among all the carriers we surveyed, but not out of line with some top competitors.
  • A high score for claims is one of the most important factors to consider when evaluating an insurer, and Nationwide had the best claims handling score among national carriers; that might make the extra cost worthwhile.
  • Nationwide also had the best score among national carriers for exceptional standard coverages, which tells us that its customers feel they’re getting a lot for their premium dollars.

Below is our review of Nationwide. It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

6
Nationwide
3.83 Insure.com Score
Average Premium
$2,983
Customer Survey
NAIC
AM Best Rating
A
Effective date:
Pros and cons
Pros:
  • Best for claims: Nationwide had the best customer score on our survey for claims handling of all national carriers.
  • Customers are pleased with coverage: It had the top score for exceptional standard coverage of all national carriers.
  • Plenty of discounts: Many available discounts can help reduce higher base rates.
Cons:
  • Higher-than-average rates: Nationwide’s average home insurance rate is higher than the national average.
  • More complaints than expected: An NAIC complaint ratio above 1.00 indicates a higher volume than expected based on market share.
  • Not available in all states

Who should buy Nationwide home insurance?

Nationwide is a good choice for you if:

  • A top-rated claims handling service is important to you
  • You’re willing to pay a little more for a policy with exceptional standard coverages

It might not be the best choice if:

  • The lowest rate is your biggest concern
  • You want a company with the lowest rate of customer complaints

Nationwide home insurance cost: Coverage and competitor comparison

Nationwide’s average homeowners insurance rate is higher than the national average ($2,543) at $2,983 a year.

  • Nationwide home insurance costs, on average, nearly $1,500 more than the cheapest national carrier (Amica, $1,510)
  • Nationwide homeowners insurance is the second most expensive carrier in our study, but it’s still much cheaper than Progressive ($4,227)
  • Rates are similar to those of competitors like Farmers ($2,820) and regional carriers like Auto-Owners ($2,840)

Compare Nationwide’s rates with those of its competitors at various coverage levels below to see how its rates might compare for your home.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Nationwide scores for customer satisfaction, ease of service, policy offerings and claims

Nationwide scored in the 80th percentile in all four of the major categories of our survey: customer satisfaction (85%), ease of service (85%), policy offerings (85%) and claims handling. 

In fact, Nationwide had the best score among national carriers for claims service, outscoring top competitors at 84% satisfaction.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Nationwide85%85%85%84%
Farmers84%84%83%76%
Allstate81%89%88%82%
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How Nationwide scores on customer recommendations, trust and renewals

Nationwide earned good scores from its customers when we asked three critical questions in the survey:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

The survey found that 92% of Nationwide customers plan to renew their homeowners insurance policy, and 90% said they trust the company. Nationwide was about on par with most competitors when it comes to recommendations to others at 85%.

CompanyRecommendedTrustworthinessRenewals
Nationwide85%90%92%
Travelers83%90%92%
Progressive82%79%87%
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How Nationwide scores for digital experience, auto/home bundling and discounts

Nationwide customers ranked the company highly for digital experience, at 85%, just one point behind Allstate’s top score of 86%. Nationwide also outranked several competitors in terms of bundling (76%) and discounts (65%).

Discounts was a particularly low-scoring area across the board in our survey, with most companies scoring in the 50s or 60s, making Nationwide’s score good by comparison.

The table below shows the percentage of customers who reported being satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Nationwide85%76%65%
Travelers83%75%58%
Amica74%75%59%
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Types of home insurance offered by Nationwide

  • Homeowners: Standard (broad form, HO-3) 
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Flood insurance: Sold through the NFIP Write-Your-Own program

Nationwide home insurance discounts

  • Multi-policy: Discount for bundling your auto and home insurance
  • Protective device: For smoke detectors, fire alarms and burglar alarms or similar devices
  • Home purchase: For homes bought in the past 12 months
  • Prior insurance: Available to new customers based on the number of years of insurance with your previous carrier
  • Claims-free: No recent claims
  • Gated community: Discount for communities with gates, security guards, residence cards or key-lock devices
  • Home renovation credit: Discounts for renovated plumbing, heating, cooling or electrical systems
  • Roof rating: Savings for homes with newer roofs or certain surface types
  • Smart home: Discounts for smart home technology that helps prevent damage
  • Windstorm mitigation (Florida only): Discounts for protecting your home from windstorm damage

States where Nationwide offers coverage

Graph
Table
States where Nationwide offers coverage
Alabama
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Maine
Maryland
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
Wyoming
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Nationwide at a glance

Nationwide

Ninth-largest homeowners insurance company by market share, with $3,726,470,509 in direct premiums written according to the 2024 NAIC Market Share Report

Policies sold through independent agents nationwide, or directly online or over the phone

Mutual company that is owned by policyholders, not shareholders

Contact Nationwide at www.nationwide.com or 888-891-0135.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Nationwide Insurance. “Homeowners insurance discounts” Accessed December 2025.

Methodology 

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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