Purchasing a home is a serious investment, and protecting your home goes beyond installing a burglar alarm. What would you do in the event of a fire? Could you afford to pay to repair or rebuild your home, or replace all your personal belongings out of pocket?

Luckily, with a home insurance policy, you don’t have to.

Not all home insurance companies are the same—they can differ in coverage, add-on options, customer service quality, availability, and more. The This Old House Reviews Team has created this in-depth Nationwide home insurance review to help you determine if the company is the best fit for your needs.

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Our Take

Nationwide is one of the largest auto and home insurers in the country, with strong financial backing and extensive home insurance coverage. Not only does its basic policy cover all industry-standard protections, it also offers some perks that are usually considered endorsements, or add-ons, like ordinance protection and inflation protection coverage.

Unfortunately, Nationwide neither offers 24/7 customer service nor has an online chat function. We give Nationwide home insurance a score of 92.12 out of 100.

On Nationwide’s Better Business Bureau profile, common complaints cite poor customer service. Reviews range from noting timeliness and professionalism to difficulty pinning down coverage amounts.


Pros & Cons

Compare the advantages and disadvantages of Nationwide homeowners insurance.

Nationwide Home Insurance Pros & Cons

Available nationwideNo 24/7 customer service by phone
Comprehensive coverage, including ordinance protectionNo online chat
Strong financial backing



Nationwide offers all industry-standard coverage in its basic policy plus some protections that are treated as endorsement add-ons by many of its competitors.

Nationwide Home Insurance Coverage

Dwelling + other structuresCovers your home’s structure (interior and exterior), as well as detached structures like a shed or garage
Personal propertyCovers personal property in case of a covered loss, including electronics, furniture appliances, and clothes
Loss of use/Additional living expensesCovers the costs associated with living outside of your home due to covered damage, including dining and accommodation
Personal liabilityCovers legal fees if you are sued for injury or personal property damage to a guest on your property
Medical paymentsCovers the medical expenses of a guest who gets injured at your home
Ordinance coverageCovers the cost to rebuild your home to current building codes after a covered loss
Credit cardCovers up to the selected limit for unauthorized charges to credit card and debit card, plus counterfeit money and forged checks

Nationwide offers a range of endorsements to help you customize your homeowners insurance policy.


Brand New BelongingsCovers the cost to repair or replace personal belongings, starting with the money for the depreciated value. When you send in a receipt, Nationwide will pay the difference
Better Roof ReplacementCovers the cost for your home to be rebuilt with safer roofing material in the event of a covered loss
Valuables PlusProvides extra coverage for high-value items like watches, antiques, jewelry, and fine art
Replacement cost plusPays up to an additional 20% of property coverage limit if your home needs to be rebuilt post-loss
Identity theftHelps keep personal data secure from cybercrimes
EarthquakeProvides additional coverage for damage caused by earthquakes
FloodProtects home from flood damage
Water backupCovers damage from water backing up from drains or sewers, and sump pump failure



Nationwide home insurance is available in all 50 states.


How Much Does Nationwide Home Insurance Cost?

The exact cost of Nationwide home insurance depends on a variety of factors, including your property value, size, the materials it was constructed with, where you live, the coverage limits you select, the insurance deductible you choose, and more.


Nationwide offers several discounts to help lower the cost of your home insurance.

Nationwide Home Insurance Discounts

Multi-policyDiscount for bundling your Nationwide insurance policies
Claims-freeDiscount for staying claims-free for a stipulated period time
Protective devicesDiscount for devices like fire alarms, burglar alarms, and smoke detectors
Home renovation creditDiscount for renovating plumbing, cooling, heating, and electrical systems
Roof ratingDiscount depending on your roof’s age and surface type
Home purchaseDiscount for homes purchased within the last year
Gated communityDiscount when all car entrances to the community are protected at all times by residence cards, security guards, or key-lock devices
Prior insuranceDiscount for new members, based on the number of years you were insured by your previous carrier continuously


Reviews of Nationwide Insurance

Nationwide is accredited by the Better Business Bureau and holds an A+ rating from the organization. See what some customers had to say about their experience with Nationwide.

Erica R. said:

“Our home was hit by a tornado on Memorial Day. Although we had a few hiccups with insurance at first, the adjuster that came out to assess property damage and the adjuster for personal loss have been wonderful! Both have followed up with us numerous times to make sure things are going well and we don’t need anything. Both adjusters have been easy to contact and respond quickly to any questions we have. They have made this difficult situation much easier by their expertise and compassion.”

Brandon T. said:

“They constantly raise rates for no reason. There customer service representatives have lied to me multiple times about the real reason for the rate increases and my agent told me he would get me quotes from other companies instead of dealing with the real issue.”


Nationwide vs The Competition

See how Nationwide stacks up against some of its top competitors on key metrics.


Our score$9283.596.6
State Availability$9427*48 (not available in AK and HI)
BBB RatingA+B+A+
Years in Business$1385113
24/7 Claims Service by PhoneX
Protective Devices/Safety Features Discount
Ordinance protection includedXX
Bundling Discount
Mobile App

*Lemonade home insurance is available in AZ, AR, CA, CO, CT, GA, IL, IN, IA, MD, MA, MI, MO, NV, NJ, NM, NY, OH, OK, OR, PA, RI, TN, TX, VA, WA, WI


Our Conclusion

Nationwide offers comprehensive home insurance coverage nationwide through its basic policy. That policy is impressive because it includes some coverage types that are usually considered endorsements, like ordinance protection and credit card coverage. Unfortunately, the company does not offer 24/7 customer service except through Twitter. We give Nationwide home insurance an overall score of 92.12 out of 100.

To ensure you find the right provider for your needs, we recommend getting quotes from multiple home insurance companies that serve your area:

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Answer a few simple questions and we'll take care of the rest.


Company Information

  • Company name: Nationwide
  • Company type: Public
  • CEO: Kirt Walker
  • Year founded: 1926
  • Headquarters: One Nationwide Plaza, Columbus, OH 43215
  • State availability: 50
  • BBB rating: A+


Our Methodology

The This Old House Reviews Team values accuracy, transparency, and trust. With that in mind, we created a thorough, objective rating system to score each home insurance company based on the following six factors:

  • Coverage (30)
  • State availability (7.5)
  • Customer service (15)
  • Technology (12.5)
  • Reputation (20)
  • Additional benefits (15)

Our Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability. Read more on our methodology here.


Frequently Asked Questions

Frequently Asked Questions


To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.