Nationwide is the No. 5 company in our 2025 Best Insurance Companies home insurance ranking among national insurers, with 4.05 stars out of 5. The company shines for policy offerings but has higher-than-average rates.
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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Nationwide has solid scores in most categories in Insure.com’s Best Home Insurance Companies list for 2025. Among national carriers, it landed in fifth place with a score of 4.05 out of 5.
A big company with many policy offerings, Nationwide’s home insurance rates aren’t the lowest, but they are still cheaper than many competitors.
Nationwide offers coverage in most of the country, but not every state. It is a one-stop insurance shop for everything from home to pet insurance, making it a good choice for homeowners who want to keep everything in one place. Its average auto and home bundling discount is 22%.
It also offers a good list of discounts, with rates right around the national average. With an A rating from AM Best, it’s a financially secure company.
AM 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.
Below is our review of Nationwide. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.
Nationwide’s home insurance rates are a bit above the national average of $2,604 but below some competitors, like Travelers. However, rates are far from the cheapest, with Amica and Allstate coming in several hundred dollars lower.
Our survey found that 92.9% of Nationwide customers rated it highly for customer satisfaction. Only Amica scored higher at 96.2%.
Nationwide scored 641 out of 1,000 in J.D. Power’s annual home insurance satisfaction survey, just above the 640 average; this metric isn’t part of our ranking but can help you compare carriers.
Our survey found that 96.4% of respondents are happy with the policy offerings from Nationwide, the highest score of all included companies.
Nationwide scored well for ease of service, with 93.1% of customers saying they were satisfied or highly satisfied. This was one of the highest scores, but the top ranking belongs to Erie at 100%.
According to our survey, 75.9% of respondents said they’d recommend Nationwide to others. That’s lower than many competitors. Erie got the top score but has limited regional availability.
In our survey, 82.8% of Nationwide’s customers who responded said they find Nationwide trustworthy. Trust can be a difficult category, and this is a solid score, although competitors scored better.
Of those surveyed, 86.2% of Nationwide customers said they plan to renew their home insurance. State Farm topped this category, with 93.4% of its customers saying they plan to renew.
Nationwide placed fourth for claims handling, with 81.8% of customers saying they are satisfied with how claims are processed and handled. Erie, the No. 1 company overall, had the highest score in this area at 100%, followed by Amica.
Another metric to consider is the J.D. Power score. J.D. Power gives Nationwide a score of 877 out of 1,000 for claims satisfaction, which is above the 869 average and good for third place overall in that survey.
Nationwide was in the top three when it comes to digital experience. Of the customers surveyed, 88.5% were happy with their digital experience. Progressive topped this category at 92.3%.
The Nationwide app is highly rated, with 4.7 stars in the Apple App Store and 4.5 stars in the Google Play store.
In our survey, 61.1% of Nationwide customers were satisfied with the company’s auto and home bundling. Amica won in this category, with 89.5% of customers reporting satisfaction.
Nationwide has a big auto and home bundling discount at 22%, higher than most.
Nationwide offers a good range of discounts, including multi-policy, home purchase and protective devices. It ranked near the top with 82.1% of customers saying they’re satisfied with the discounts available. That’s second place behind Amica.
Nationwide was founded as the Farm Bureau Mutual Automobile Insurance Company in 1926. The company is headquartered in Columbus, Ohio, and employs thousands in offices across the country. The company changed its name to Nationwide in 1955 to better align with its growth across America. Nationwide has grown to own 57 smaller subsidiary companies specializing in financial and insurance products.
Sources:
Nationwide Insurance. “Homeowners insurance discounts.” Accessed March 2025.
Nationwide Insurance. “Insurance protection.” Accessed March 2025.
Nationwide Insurance. “Nationwides corporate history.” Accessed March 2025.
J.D. Power. “2024 U.S. Home Insurance Study.” Accessed March 2025.
J.D. Power. “2024 U.S. Property Claims Satisfaction Study.” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their home insurer and then grade it in the following categories:
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:
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.
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.