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Nationwide Home Insurance Ratings

Ranked No. 5 Overall
Customer Satisfaction Ratings (based on 100 survey results)
home-icon Home
info iconOverall
87.18 out of 100
Productinfo icon
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to Renewinfo-icon

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

AM Best Financial Strength Ratings

October 31, 2019

home-icon Home 87.18 out of 100 Claims Processing 91.11 Customer Service 90.00 Value for
Website and Apps 84.32 % Who Would Recommend to a Friend 83% % Who Plan to Renew 93% A+
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AM Best Financial Strength RatingsOctober 31, 2019
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Reasons for Buying from Nationwide

Customers of Nationwide originally decided to purchase from the company for these reasons:
Recommended by friend or family member24%
I had other insurance with this company21%
Offered best price18%
Financial Strength rating4%
Saw online ad4%
The company website and mobile apps are easy to use and helpful4%
Was the company my parents had4%
Saw TV commercial2%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 55%
I probably would recommend this company. 28%
Neutral 14%
I would not recommend this company. 2%
I probably would not recommend this company. 1%

Would you renew?

Yes 93%
No 7%

Website and Apps

How easy to use and how helpful they are
Completely satisfied - Gives me what I want and more
Satisfied - Fulfills my needs okay
Neutral - No good or bad feelings on this
Never visited or used website or mobile app
Not Satisfied - Is not a good website or app
Very unsatisfied - Their digital offerings are not good at all or nonexistent

How You Prefer to Deal with Insurers

In person
Interactive website
Mobile App
User Review
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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.


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.