Nationwide Insurance Review & Complaints: Homeowners Insurance (2024)
You can procure affordable Nationwide home insurance and great coverage when you shop online. This company has been been providing insurance products since 1926 but despite its name it doesn't provide nationwide coverage. You can't buy Nationwide home insurance if you live in Alaska, Hawaii, Louisiana, or Massachusetts. If you do live in a covered state, you will have access to extra coverage options that can protect your not only your belongs but you identity as well.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Nationwide does not provide home insurance nationwide
- You can purchase identity theft protection through Nationwide
- Even renters or condo owners can purchase policies to protect their belongs through Nationwide
Nationwide Insurance is one of the best homeowners insurance companies in the industry and has long been in the business of helping homeowners get the financial help they need when calamity strikes. Having adequate protection to protect your home and your belongings is vital, so if you have just bought your first home or are thinking of searching for a better insurance policy, the Nationwide home insurance company may be able to help you, too.
Nationwide home insurance rates are nothing to sneeze at either. With Nationwide, you could get the coverage you need at the rates you want.
Keep reading to learn more about this illustrious company and the coverage options that it can offer you.
You do not have to wait to start comparing home insurance rates. Enter your ZIP code to get free home insurance quotes so you can find the best policy for you right away.
Is Nationwide a reliable home insurance company?
Nationwide has been providing reliable home insurance products to those who need it for quite some time — since 1926 in fact, and it has an A+ rating from A.M. Best to boot. Of course, knowledge is power, which means that there is no harm in reading some Nationwide home insurance reviews so you can discover what other homeowners think of their day-to-day experiences with this company.
Even if you do not live in a traditional single-family home, you can get the protection you need for your belongings and precious family heirlooms through Nationwide with a renter’s or condo insurance policy.
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When you request a Nationwide home insurance quote, you may be shocked to discover that ordinance coverage, also known as law coverage, comes standard with each policy. If you own an older home, this is particularly exciting because this coverage is designed to help you cover the costs of bringing your home up to modern building codes. While there is a limit of up to 10% of your policy’s dwelling coverage, you can always choose to purchase a higher limit.
You will also have some protection if someone were to steal your debit or credit card or forge checks in your name. Nationwide home insurance automatically cover up to $500 in damages if such a loss were to occur. Just as you would if you want to increase your ordinance coverage, you can choose to increase your limits for a fee.
If you were to buy Nationwide home insurance, you could also decide to purchase coverage like:
- Extended replacement cost
- Brand-new belongings
- Better roof replacement
- Identity theft coverage
- Additional valuables coverage
- Water backup coverage
With extended replacement cost coverage, you would be able to increase the limit of your dwelling coverage by 20% if the estimated cost to rebuild your home after a covered loss was higher than expected, and if you chose to purchase brand-new belongs coverage, you would be able to either restore your possessions or be reimbursed for the cost of brand-new replacements.
This is an intriguing coverage option as most homeowners insurance policies only cover damaged items for their current, not original, value.
Another optional coverage that may interest some homeowners is the better roof replacement coverage. If your roof were to be damaged by a covered loss, you could be reimbursed for the cost of rebuilding the roof with higher-grade materials.
In this high-tech age, purchasing identity theft coverage from Nationwide could be well worth it. This extra layer of protection will monitor your personal data and could help you reach a quick resolution if your identity ever was stolen.
Of course, your identity is not the only valuable thing that your homeowner’s insurance works to protect. With additional valuables coverage, you can protect any high-value jewelry or art that you keep in your home.
Now, no one wants water running rampant through their home, but it if were to happen to you and you had water backup coverage, you would be covered for any damage caused by a backed-up drain or gushing sump pump.
How much does Nationwide home insurance cost?
You could potentially purchase a homeowners insurance policy for just $127 per month with Nationwide; however, you must remember that the rate for each homeowner will be as unique as the individual. Nationwide, like every other insurance company, uses an underwriting process to designate risk level to each person who applies for a quote.
The underwriting process requires you to share quite a lot of information about yourself as each bit of information can influence your rates. Your location does play quite a big role in your rate calculation though, so if you are curious as to how much you could pay for your home insurance, you can refer to this data table which illustrates the average rate for a homeowners insurance policy in each state:
Average Annual Home Insurance Rates by State
| States | Average Monthly Home Insurance Rates |
|---|---|
| Alabama | $135.33 |
| Alaska | $107.58 |
| Arizona | $112.92 |
| Arkansas | $178.50 |
| California | $102.00 |
| Colorado | $158.25 |
| Connecticut | $98.67 |
| Delaware | $73.50 |
| Florida | $112.75 |
| Georgia | $142.75 |
| Hawaii | $41.75 |
| Idaho | $87.58 |
| Illinois | $110.17 |
| Indiana | $132.25 |
| Iowa | $125.17 |
| Kansas | $184.33 |
| Louisiana | $151.08 |
| Maine | $79.67 |
| Maryland | $93.67 |
| Massachusetts | $108.92 |
| Michigan | $93.33 |
| Minnesota | $162.67 |
| Mississippi | $147.75 |
| Missouri | $187.58 |
| Montana | $147.50 |
| Nebraska | $234.67 |
| Nevada | $87.25 |
| New Hampshire | $69.92 |
| New Jersey | $62.58 |
| New Mexico | $117.33 |
| New York | $153.33 |
| North Carolina | $97.17 |
| North Dakota | $110.25 |
| Ohio | $97.00 |
| Oklahoma | $290.17 |
| Oregon | $63.00 |
| Pennsylvania | $63.17 |
| Rhode Island | $99.42 |
| South Carolina | $95.17 |
| South Dakota | $163.17 |
| Tennessee | $135.42 |
| Texas | $183.92 |
| Utah | $53.92 |
| Vermont | $57.17 |
| Virginia | $84.42 |
| Washington | $71.92 |
| West Virginia | $93.67 |
| Wisconsin | $82.17 |
| Wyoming | $105.25 |
| National Average | $116.08 |
If the rates above have you quaking in your boots, do not worry. There are steps you can take to obtain affordable Nationwide home insurance.
Nationwide Home Insurance Discounts
While you can and should work to get your credit score as high as possible, there is an easier way to reduce your home insurance rates.
Most major insurance companies, Nationwide included, offer applicants discounts to make their rates work within their budgets. Every insurance company adds their own twist to the discounts offered, but if you are interested in purchasing a policy through Nationwide, you should check to see if you are eligible for the claims-free discount, the protective device discount, multi-policy discount, the roof rating discount, or the gated community discount.
Is Nationwide available nationwide?
As odd as it may sound, Nationwide home insurance is not available all throughout the United States. If you live in any of the states listed below, you can buy a Nationwide home insurance policy:
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- District Of Columbia
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Maine
- Maryland
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Now, if you do not see the state where you live listed here, you can always shop online to find local and reputable insurance companies that provide the coverage you need to protect your household. When shopping online, always request at least three quotes so you can compare the benefits and deficiencies of each policy against each other.
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Claims Procedure with Nationwide Insurance
Ease of Filing a Claim
Nationwide Insurance offers multiple convenient methods for filing a claim. You can file a claim online through their website, over the phone by calling the Nationwide home insurance phone number, or through their dedicated mobile app. This flexibility ensures that you can report a claim in a way that suits your preferences and needs.
Average Claim Processing Time
The average claim processing time with Nationwide Insurance can vary depending on the nature and complexity of the claim. However, the company strives to provide efficient and timely claim resolutions to its policyholders. For specific information on claim processing times, it’s advisable to contact Nationwide directly.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts is an essential aspect of evaluating an insurance provider’s performance. While Nationwide Insurance has been in the industry for decades, it’s valuable to read Nationwide home insurance reviews to gain insights into the experiences of other policyholders. This can help you assess the company’s track record in terms of customer satisfaction with claim resolutions and payouts.
Digital and Technological Advancements at Nationwide Insurance
Mobile App Features and Functionality
Nationwide Insurance offers a dedicated mobile app that provides policyholders with convenient access to various features and functions. The app allows you to manage your policy, file claims, view policy documents, and even access digital ID cards. It’s designed to simplify the insurance experience and put essential tools at your fingertips.
Online Account Management Capabilities
Managing your Nationwide Insurance policy online is a seamless process. Through their website and online account portal, you can review policy details, make premium payments, update personal information, and track the progress of any filed claims. The online account management system ensures that policyholders have easy access to their policy information.
Digital Tools and Resources
Nationwide Insurance offers a range of digital tools and resources to assist policyholders in making informed decisions about their coverage. These may include online calculators, informational guides, and educational resources to help you understand your policy and coverage options better.
What You Need to Know About Nationwide Home Insurance
Nationwide is a reliable company that, while it does not provide nationwide coverage, can get you the coverage you need if you do live in one of the states that this company services. This company has been in business for more than 80 years and offers extra coverage options that can help you secure maximum protection for your home and your belongings.
If you happen to live outside of Nationwide’s coverage areas, you can shop online to find the best insurance company for you.
If you want to see if Nationwide home insurance or another insurance company can save you money on your rates, enter your ZIP code to receive free quotes today.
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Frequently Asked Questions
What is Nationwide Insurance and what types of insurance do they offer?
Nationwide Insurance is a well-known insurance provider that offers a range of insurance products, including homeowners insurance. They provide coverage for property damage, personal liability, and additional living expenses in case of covered perils.
What are some key features of Nationwide Homeowners Insurance?
Nationwide Homeowners Insurance offers several features, such as coverage for your home’s structure, personal belongings, liability protection, additional living expenses, and optional add-ons like identity theft coverage and valuable items coverage.
How can I get a quote for Nationwide Homeowners Insurance?
You can get a quote for Nationwide Homeowners Insurance by visiting their official website, contacting their customer service, or reaching out to a local Nationwide agent. Provide accurate information about your property to receive an accurate quote.
What factors affect the cost of Nationwide Homeowners Insurance?
Several factors influence the cost of Nationwide Homeowners Insurance, including the location of your home, its age and construction type, your claims history, the coverage limits and deductibles you choose, and any additional coverage options you select.
How can I file a claim with Nationwide Homeowners Insurance?
To file a claim with Nationwide Homeowners Insurance, you can do so online through their website or by calling their claims hotline. Provide all necessary details about the incident, including any supporting documentation, and cooperate with the claims adjuster throughout the process.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.