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Nationwide Home Insurance Ratings

Customer Satisfaction Ratings (based on 131 survey results)
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Effective as of:

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.

out of 100
May 29, 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 member23%
Offered best price15%
Saw TV commercial13%
Saw online ad12%
I had other insurance with this company7%
Was the company my parents had4%
Financial Strength rating2%
The company website and mobile apps are easy to use and helpful1%

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

I probably would recommend this company. 42%
I would definitely recommend this company. 38%
Neutral 15%
I probably would not recommend this company. 4%
I would not recommend this company. 1%

Would you renew?

Yes 88%
No 12%

Website and Apps

How easy to use and how helpful they are
46%Good - Fulfills my needs
35%Excellent - Gives me what I need and more
11%Just okay - Fulfills some but not all of my needs
7%Never visited/used website or mobile app
1%Unsatisfactory - Doesn?t fulfill my needs, website/app is severely lacking

How You Prefer to Deal with Insurers

24%Interactive website
5%Smartphone app
23%In person
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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: How Nationwide Stacks Up

Inthe most recent consumer survey looking for Best Home Insurance companies, Nationwide ranked 12th overall out of 15 with a score of 85.13. Its highest showing was 5th for claims while lowest was 13th, which the company earned for both price and customer service. Even with not earning top spots, most of those surveyed, 88%, said they plan to renew with Nationwide.

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 Allstate'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.


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