{"id":323621,"date":"2025-11-10T18:15:46","date_gmt":"2025-11-10T23:15:46","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=121750"},"modified":"2025-11-10T18:15:46","modified_gmt":"2025-11-10T23:15:46","slug":"nationwide-review","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/","title":{"rendered":"Nationwide Homeowners Insurance Review"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"Nationwide Homeowners Insurance Review\"><\/span>\n    \n\n\n<p>Nationwide\u2019s standard homeowners package (HO-3) typically includes dwelling, other structures, personal property, loss of use, personal liability, medical payments and credit card\/forgery coverage. For broader protection, Nationwide highlights endorsements such as <a href=\"https:\/\/www.nationwide.com\">Brand New Belongings<\/a> (contents replacement), <a href=\"https:\/\/www.nationwide.com\">Better Roof Replacement<\/a>, and <a href=\"https:\/\/www.nationwide.com\">water backup<\/a>. Independent reviews also note access to popular property endorsements like equipment breakdown, service line, scheduled valuables and identity theft support (availability varies by state; see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> for a current feature overview).<\/p>\n\n\n\n<p>Given the current homeowners market\u2014characterized by elevated catastrophe losses and rising rebuilding costs\u2014Nationwide\u2019s value proposition leans on flexible endorsements, discount opportunities and strong financial strength. Industry data show sustained premium pressure as the household insurance component of the CPI has posted elevated year-over-year increases through 2024\u20132025 (<a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>), amid historically high counts of billion-dollar weather events (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). Below we summarize Nationwide\u2019s coverages, pricing context, third-party satisfaction research, complaints information, and how it stacks up against competitors\u2014anchored to the most recent studies and sources available.<\/p>\n\n\n\n<p>For more options to protect your home, check our list of <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\">best homeowners insurance companies<\/a>.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Nationwide Home Insurance Overview\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide Home Insurance Overview<\/h2>\n\n\n\n<ul><li>In business since: 1925<\/li><li>J.D. Power Score: See the latest <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 U.S. Home Insurance Study<\/a>; detailed company index scores are not publicly listed in the press release. Nationwide is not named among the top-ranked brands in the 2024 release.<\/li><li>AM Best Financial Strength Rating: A+ (Superior) with Stable outlook (<a href=\"https:\/\/www.nationwide.com\">Nationwide financial strength page<\/a>)<\/li><li>States Served: Broadly available, with noted exceptions including Hawaii, Louisiana and New Hampshire; underwriting appetite and new-business availability may vary by ZIP code and state-level market conditions (see California\u2019s <a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophes\/Sustainable-Insurance-Strategy.cfm\">Sustainable Insurance Strategy<\/a> for current market context).<\/li><\/ul>\n\n\n\n<p>Nationwide is a long-tenured national insurer. Public J.D. Power releases for 2024 (home insurance and property claims) summarize industry results and top performers but generally do not provide every insurer\u2019s numeric score; company-by-company details require licensed access (see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">Home Insurance Study<\/a> and <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">Property Claims Satisfaction Study<\/a>). You can also reference the <a href=\"https:\/\/www.bbb.org\/us\/oh\/columbus\/profile\/insurance\/nationwide-0302-2388\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Better Business Bureau<\/a> for customer feedback context.\u00a0<\/p>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Pros<\/strong><\/td><td><strong>Cons<\/strong><\/td><\/tr><tr><td><strong>Broad coverage options<\/strong> \u2013 Core HO protections plus distinctive endorsements like <a href=\"https:\/\/www.nationwide.com\">Brand New Belongings<\/a>, <a href=\"https:\/\/www.nationwide.com\">Better Roof Replacement<\/a>, and <a href=\"https:\/\/www.nationwide.com\">water backup<\/a>; independent sources also highlight equipment breakdown, service line, and valuables coverage (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>).<\/td><td><strong>Mixed satisfaction signals by study\/region<\/strong> \u2013 In J.D. Power\u2019s <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">2024 homeowners study<\/a>, Nationwide is not named among the top-ranked brands; detailed scores are not publicly posted.<\/td><\/tr><tr><td><strong>Financial strength<\/strong> \u2013 A+ (Superior) from AM Best with Stable outlook supports long-term claims-paying ability (<a href=\"https:\/\/www.nationwide.com\">Nationwide ratings page<\/a>).<\/td><td><strong>Pricing headwinds are industry-wide<\/strong> \u2013 Home insurance rates have faced upward pressure as the <a href=\"https:\/\/www.bls.gov\/cpi\/\">CPI household insurance index<\/a> posted elevated year-over-year increases through 2024\u20132025 and NOAA reports historically high counts of billion-dollar disasters (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>).<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"highlights\" title=\"Nationwide Highlights\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide Highlights<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Pricing<\/h3>\n\n\n\n<p>Premiums depend on construction details, location, claims history, coverage limits, deductibles and credit-based insurance scores where permitted. Market-wide, price levels have been rising: the <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS household insurance index<\/a> shows sustained year-over-year increases in recent months, while catastrophe frequency and severity remain elevated (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>). These pressures affect all carriers, including Nationwide. To offset costs, Nationwide offers numerous discounts (multi-policy, protective devices, claims-free, new\/renovated home, gated community and more), and customers can tailor deductibles and limits to fit budget. Independent sources also emphasize potential value from resilience-focused features (e.g., fortified roofs) and smart sensors that some insurers credit in pricing, consistent with industry mitigation trends (<a href=\"https:\/\/ibhs.org\/fortified\/\">IBHS FORTIFIED<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Coverage<\/h3>\n\n\n\n<p><strong>All of Nationwide\u2019s homeowners insurance policies include:<\/strong><\/p>\n\n\n\n<ul><li>Dwelling<\/li><li>Personal liability<\/li><li>Medical payments<\/li><li>Ordinance or law<\/li><li>Detached\/other structures<\/li><li>Credit card\/forgery coverage<\/li><\/ul>\n\n\n\n<p>Ordinance or law helps rebuild to current code after a covered loss, and credit card\/forgery coverage helps reimburse certain unauthorized transactions subject to limits.<\/p>\n\n\n\n<p><strong>For an added cost, customers can choose to purchase extra coverage for:<\/strong><\/p>\n\n\n\n<ul><li><a href=\"https:\/\/www.nationwide.com\">Brand New Belongings<\/a> (contents replacement)<\/li><li><a href=\"https:\/\/www.nationwide.com\">Better Roof Replacement<\/a><\/li><li>Identity theft<\/li><li>Scheduled valuables \/ higher item limits<\/li><li><a href=\"https:\/\/www.nationwide.com\">Water backup<\/a><\/li><li>Equipment breakdown and service line (noted by independent sources like <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>)<\/li><li>Earthquake<\/li><li>Flood insurance (separate policy)<\/li><\/ul>\n\n\n\n<p>To decide if you need these additional coverages, make sure you have a <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-to-perform-home-inventory\/\">home inventory<\/a> with the original cost of each item to determine the estimated value of your assets.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Customer Experience<\/h3>\n\n\n\n<p>Current public benchmarks come from J.D. Power\u2019s 2024 studies. The <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">U.S. Home Insurance Study<\/a> measures overall homeowners satisfaction (1,000-point scale) and names top performers by region\/segment; Nationwide is not listed among the top-ranked brands in the 2024 press release, and the full company-by-company scores are not publicly posted. The <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">U.S. Property Claims Satisfaction Study<\/a> tracks claim satisfaction; again, detailed Nationwide numeric scores are not publicly disclosed in the press release.<\/p>\n\n\n\n<p>Complaint patterns typically center on claim handling (delays, denials, settlement amounts) and underwriting\/billing issues\u2014consistent with national trends. The National Association of Insurance Commissioners\u2019 (<a href=\"https:\/\/eapps.naic.org\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">NAIC Consumer Information Source<\/a>) publishes a complaint index by legal underwriting entity and line of business; 1.00 equals the expected level for a company of similar market share (lower is better). Because Nationwide writes through multiple affiliates, check the NAIC index values for your specific entity and year when comparing performance. Regulators are also sharpening oversight of data\/AI used in underwriting and claims (see NAIC\u2019s <a href=\"https:\/\/content.naic.org\">Model Bulletin on AI<\/a>).<\/p>\n\n\n\n<p>Purchasing insurance from Nationwide is straightforward online or through agents, with digital tools for billing, claims and account management. Availability and underwriting appetite can vary by state and hazard exposure, reflecting broader market stabilization efforts (e.g., California\u2019s <a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophes\/Sustainable-Insurance-Strategy.cfm\">Sustainable Insurance Strategy<\/a>).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Deals, discounts and add-ons<\/h3>\n\n\n\n<p>Nationwide offers multiple ways to manage premiums through discounts and tailored endorsements. Exact savings vary by state and underwriting company; review eligibility details during quoting.<\/p>\n\n\n\n<p><strong>Customers can save money by:<\/strong><\/p>\n\n\n\n<ul><li>Bundling their policies (home + auto or other lines)<\/li><li>Installing fire\/burglar alarms and monitored security systems<\/li><li>Remaining claims-free<\/li><li>Renovating electrical or plumbing systems<\/li><li>Replacing or fortifying the roof<\/li><li>Being a new homeowner or insuring a newer\/renovated home<\/li><li>Living in a gated community<\/li><\/ul>\n\n\n\n<p>You can also lower your annual premium by adjusting your deductible and coverage levels. Another way to <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/lower-home-insurance-premium\/\">reduce your premium<\/a> is to improve credit-based insurance scores where allowed. Ask about resilience-related credits (e.g., IBHS FORTIFIED standards) that some insurers use to recognize mitigation (<a href=\"https:\/\/ibhs.org\/fortified\/\">IBHS<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"meth\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated Nationwide using third-party satisfaction research, financial strength, coverage breadth and complaints context. For satisfaction, we reference J.D. Power\u2019s latest publicly available releases for homeowners and property claims (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 U.S. Home Insurance Study<\/a>; <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-property-claims-satisfaction-study\">2024 U.S. Property Claims Satisfaction Study<\/a>). For financial strength, we cite AM Best and other major agencies as summarized on Nationwide\u2019s <a href=\"https:\/\/www.nationwide.com\">ratings page<\/a>. For customer complaints, we use the NAIC\u2019s <a href=\"https:\/\/eapps.naic.org\">Consumer Information Source<\/a> complaint index (1.00 = expected), recognizing that Nationwide writes through multiple affiliates. We also provide broader market context using authoritative sources (e.g., <a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>, <a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>, <a href=\"https:\/\/content.naic.org\">NAIC AI Model Bulletin<\/a>, <a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophes\/Sustainable-Insurance-Strategy.cfm\">CA Sustainable Insurance Strategy<\/a>, and <a href=\"https:\/\/ibhs.org\/fortified\/\">IBHS FORTIFIED<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Competition<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Reviews.com Score (Editor will add this information)<\/strong><\/td><td><strong>AM Best Financial Strength Rating<\/strong><\/td><td><strong>J.D. Power 2020 Score<\/strong><strong>(On a&nbsp; 1,000-point scale)<\/strong><strong>&nbsp;<\/strong><strong>&nbsp;<\/strong><\/td><td><strong>NAIC Customer Complaint<\/strong><strong>s<\/strong><\/td><\/tr><tr><td><strong>Nationwide<\/strong><\/td><td> 3.75<\/td><td>A+<\/td><td>See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 study<\/a>; not named among top-ranked brands in press release<\/td><td>Complaint index varies by underwriting entity\/year; check <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a> (1.00 = expected)<\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\"><strong>State Farm<\/strong><\/a><\/td><td>3.75&nbsp;<\/td><td>A++<\/td><td>See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 study<\/a>; not named among top-ranked brands in press release<\/td><td>Varies by legal entity; verify homeowners index via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\"><strong>Allstate<\/strong><\/a><\/td><td> 4<\/td><td>A+<\/td><td>See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 study<\/a>; not named among top-ranked brands in press release<\/td><td>Varies by legal entity; verify homeowners index via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\"><strong>Farmers<\/strong><\/a><\/td><td>3&nbsp;<\/td><td>A<\/td><td>See <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 study<\/a>; not named among top-ranked brands in press release<\/td><td>Varies by legal entity; verify homeowners index via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a><\/td><\/tr><tr><td><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/geico-review\/\"><strong>Geico<\/strong><\/a><\/td><td> 2.75<\/td><td>A++<\/td><td>Home insurance is typically placed through partner carriers; see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">2024 study<\/a> for context<\/td><td>Partner carrier indices vary; verify via <a href=\"https:\/\/eapps.naic.org\">NAIC CIS<\/a><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"vs1\" title=\"Nationwide vs. State Farm\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide vs. State Farm<\/h2>\n\n\n\n<p>Both carriers have strong financials (AM Best: Nationwide A+; State Farm A++). Public J.D. Power homeowners results for 2024 are reported by region and do not list every company\u2019s numeric index; neither brand is named among the top-ranked in the 2024 press release (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power<\/a>). Pricing varies significantly by state and home profile, with market-wide upward pressure reflected in the <a href=\"https:\/\/www.bls.gov\/cpi\/\">CPI household insurance index<\/a> and elevated catastrophe activity (<a href=\"https:\/\/www.ncei.noaa.gov\/access\/billions\/\">NOAA<\/a>).<\/p>\n\n\n\n<p>Nationwide differentiators include options like <a href=\"https:\/\/www.nationwide.com\">Brand New Belongings<\/a>, <a href=\"https:\/\/www.nationwide.com\">Better Roof Replacement<\/a> and widely used water protections, while State Farm\u2019s strength is a large agent network and broad national footprint. Compare quotes with identical coverage limits, deductibles and key endorsements (e.g., water backup, service line, equipment breakdown) to see which carrier provides the best overall value in your ZIP code.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"vs2\" title=\"Nationwide vs. Allstate\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide vs. Allstate<\/h2>\n\n\n\n<p>Nationwide and Allstate both hold A+ (Superior) AM Best ratings. In J.D. Power\u2019s publicly available 2024 homeowners study communications, neither is listed among the top-ranked brands; detailed numeric scores are subscriber-only (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power<\/a>). Given current market conditions, premiums for either carrier can vary widely by state, catastrophe exposure and coverage choices.<\/p>\n\n\n\n<p>Feature-wise, Nationwide\u2019s signature endorsements (<a href=\"https:\/\/www.nationwide.com\">Brand New Belongings<\/a>, <a href=\"https:\/\/www.nationwide.com\">Better Roof Replacement<\/a>, <a href=\"https:\/\/www.nationwide.com\">water backup<\/a>) can add value. Both carriers offer optional protections to round out coverage (e.g., valuables, identity theft, equipment breakdown and service line\u2014where available). Evaluate coverage terms for roof claims, wind\/hail deductibles and water-related sublimits alongside price.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"bottom\" title=\"The Bottom Line\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Bottom Line<\/h2>\n\n\n\n<p>Nationwide is a solid homeowners choice for those who value flexible endorsements (especially contents replacement, roof upgrades and water protections) paired with strong financial strength. Public J.D. Power reporting for 2024 indicates mixed, region-dependent satisfaction across the industry and does not publish Nationwide\u2019s exact score. In a market with rising premiums and evolving underwriting appetites, prioritize right-sized coverage\u2014then use discounts, mitigation credits and deductibles to optimize cost.<\/p>\n\n\n\n<p>If you\u2019re price-sensitive, explore multi-policy bundling and ask about protective device credits and resilience upgrades that may help on rates. Given state-by-state variability and hazard exposure, compare quotes from multiple carriers with identical limits and key add-ons to find the best fit.<\/p>\n\n\n\n<p>For those worried about the cost, Nationwide offers a number of discounts to help customers save money.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Nationwide Home Insurance FAQs\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Nationwide Home Insurance FAQs<\/h2>\n\n\n<div id=\"block_5f726b2cceb93\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What other property insurance does Nationwide home insurance offer?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Nationwide doesn\u2019t just cover homeowners. There are also policies for renters and condos which will cover your belongings as well as personal liability, medical liability and loss of use. In addition, you can ask about personal umbrella for extra liability limits and, where available, optional protections like equipment breakdown or service line to pair with your home policy.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f726b4dceb94\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How much home insurance do I need? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">In order to determine <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/how-much-home-insurance-do-i-need\/\"><span style=\"font-weight: 400;\">how much homeowners insurance you should get<\/span><\/a><span style=\"font-weight: 400;\">, you\u2019ll need to estimate the replacement cost of your home. Remember that it won\u2019t be the same as the price you purchased the home for. To determine your home\u2019s estimated replacement cost, it\u2019s best to contact an insurance representative who can survey your home and provide an accurate number. Consider add-ons like water backup, service line, or equipment breakdown if your risks and budget warrant them.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f726b60ceb95\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Where is Nationwide home insurance coverage available? <\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Nationwide homeowner&#8217;s insurance is available in most states, with notable exceptions including Hawaii, Louisiana, and New Hampshire. Availability and underwriting appetite can change by ZIP code and over time as carriers manage catastrophe exposure and state regulatory frameworks (see California\u2019s <\/span><a href=\"https:\/\/www.insurance.ca.gov\/01-consumers\/200-catastrophes\/Sustainable-Insurance-Strategy.cfm\">Sustainable Insurance Strategy<\/a><span style=\"font-weight: 400;\"> for market context). Check your address during quoting to confirm current availability.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f726b6fceb96\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How does Nationwide underwrite their home insurance policies?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Nationwide primarily underwrites through its own affiliated insurance companies. Like other carriers, it uses property data, inspections and claims history, and it operates within evolving regulatory expectations for the use of data and AI in insurance (see NAIC\u2019s <\/span><a href=\"https:\/\/content.naic.org\">Model Bulletin on AI<\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_5f726b7eceb97\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What does Nationwide home insurance typically cover?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><b>Nationwide\u2019s insurance covers a lot, including:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Dwelling<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Contents<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ordinance or law<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal liability<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Loss of use<\/span><\/li>\n<\/ul>\n<p><b>Common exclusions include:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Wear-and-tear, maintenance and gradual deterioration<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Flood (separate policy), with limited water protections available via endorsements<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Customers can add endorsements for water backup, equipment breakdown, service line and scheduled valuables to address important gaps (availability varies by state). For contents and roofs, <\/span><a href=\"https:\/\/www.nationwide.com\">Brand New Belongings<\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.nationwide.com\">Better Roof Replacement<\/a><span style=\"font-weight: 400;\"> offer upgraded claim settlements after covered losses.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n","protected":false},"excerpt":{"rendered":"<p>Nationwide\u2019s standard homeowners package (HO-3) typically includes dwelling, other structures, personal property, loss of use, personal liability, medical payments and credit card\/forgery coverage. For broader protection, Nationwide highlights endorsements such as Brand New Belongings (contents replacement), Better Roof Replacement, and water backup. Independent reviews also note access to popular property endorsements like equipment breakdown, service [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":121825,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh-spr.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Nationwide Homeowners Insurance Review | Reviews.com<\/title>\n<meta name=\"description\" content=\"Nationwide offers plenty of unique coverage options and discounts, but its customer service scores are hit-or-miss.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nationwide Homeowners Insurance Review | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"Nationwide offers plenty of unique coverage options and discounts, but its customer service scores are hit-or-miss.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/05\/featured-image-nationwide-home-insurance-1-1024x683.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Nationwide Homeowners Insurance Review\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nationwide Homeowners Insurance Review | Reviews.com","description":"Nationwide offers plenty of unique coverage options and discounts, but its customer service scores are hit-or-miss.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/","og_locale":"en_US","og_type":"article","og_title":"Nationwide Homeowners Insurance Review | Reviews.com","og_description":"Nationwide offers plenty of unique coverage options and discounts, but its customer service scores are hit-or-miss.","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1024,"height":683,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2019\/05\/featured-image-nationwide-home-insurance-1-1024x683.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/nationwide-review\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"Nationwide Homeowners Insurance Review"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323621"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=323621"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323621\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/121825"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=323621"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=323621"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=323621"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=323621"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}