Nationwide Homeowners Insurance

Nationwide - Homeowners

 4.0/5 (415 ratings)
  • 5 stars
    130
  • 4 stars
    180
  • 3 stars
    81
  • 2 stars
    14
  • 1 stars
    10
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About Nationwide - Homeowners

This profile has not been claimed by the company. See reviews below to learn more or submit your own review.

Nationwide provides home and auto insurance across the country. Its home insurance plans offer standard and extended coverage options and discount opportunities like savings for multipolicy bundles and home security systems. You can apply for a quote online through the Nationwide website.

Overall Satisfaction Rating

  • 5 stars
    130
  • 4 stars
    180
  • 3 stars
    81
  • 2 stars
    14
  • 1 stars
    10

Pros

  • Multipolicy discounts
  • Online quotes
  • On Your Side Review assessments

Cons

  • Limited online presence
  • Not available in all states

Bottom Line

Nationwide provides homeowners insurance with standard and extended coverage options. It offers some discounts and a few online tools; however, some find its online resources limited.

Top Nationwide Homeowners Insurance Reviews

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Rated with 5 stars
Verified

Nationwide will have your back on mayhem. They covered hail and wind damage on my roof in a very proficient and incredible way. Got the check immediately. Really Trustworthy. They...

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Rated with 5 stars
Verified

I like Nationwide Insurance and I have it for 20+ years. I searched other insurance companies and all of them were much more expensive then Nationwide. Nationwide has better cover...

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About Nationwide home insurance

Nationwide provides homeowners with various standard and additional coverages. Its standard policies cover:

  • Dwellings
  • Other structures
  • Personal property
  • Loss of use (temporary living expenses)
  • Personal liability
  • Medical payments for others
  • Credit cards

Additionally, Nationwide offers car, pet and personal umbrella insurance policies, which you can bundle with your homeowners policy for a reduced rate. The company also provides discounts for home insurance policyholders with security systems.

Nationwide homeowners insurance coverage

You can request a free online bundle quote on Nationwide’s website or contact a Nationwide agent for a more detailed and personalized quote. Your quote depends on the coverage levels you need. For example, you can include coverage add-ons such as:

  • Identity theft
  • Water backup
  • Flood insurance
  • Replacement cost
  • Earthquake coverage
  • Valuables

Nationwide also offers a free insurance assessment called the On Your Side Review. This opportunity is for all Nationwide members and works to ensure you receive coverage that fits your needs.

Nationwide home insurance quotes and costs

The cost of a homeowners insurance policy with Nationwide varies based on coverage level, your home’s location and the deductible limit you choose. The company does offer multiple discount and bundling opportunities for additional savings, including:

  • Multipolicy bundles
  • Home purchase within the last 12 months
  • Previous, continuous insurance coverage
  • Claims-free discounts
  • Home renovation credits
  • Protective devices and security systems

If you combine home and auto insurance from Nationwide, you’ll get a 20% bundle discount. You can also get discounts for selecting paperless billing and policy documents.

Nationwide home insurance FAQ

What does Nationwide home insurance cover?
Nationwide home insurance covers your home, other structures on your property, personal belongings and more, and you can add coverage add-ons for an extra fee.
Who underwrites Nationwide home insurance?
Nationwide home insurance is underwritten by Nationwide employees; the company is owned by Nationwide Mutual Insurance Company.
Does Nationwide homeowners insurance cover mold?
With Nationwide, mold coverage depends on the source of the damage. If it’s caused by a flood, for instance, Nationwide doesn’t cover it.
Where is Nationwide home insurance available?
Nationwide home insurance is available in 43 states across the country. It’s not available in Alaska, Hawaii, New Mexico, Louisiana, Florida, New Jersey and Massachusetts.

Is Nationwide home insurance good?

Nationwide offers solid standard and comprehensive home insurance coverage and a multitude of bundling and discount options. Many homeowners find Nationwide’s online tools useful for bill pay and claims handling; however, several find the online quote estimator to be limiting and prefer speaking with a Nationwide representative over the phone.

Nationwide Homeowners Insurance Reviews

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How do I know I can trust these reviews about Nationwide Homeowners Insurance?
How do I know I can trust these reviews about Nationwide Insurance?
  • 3,218,109 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer
Original review: Feb. 18, 2021

Nationwide has NEVER failed to be honest and fair in resolving any insurance issue. I have lost a garage and contents to fire. A few auto accidents (I use Nationwide for Home/Auto & Life), and each time I have had to contact nationwide, they have always "been on our side". I damn sure miss my agent, Norm **, he retired, however the service remained of the highest standard with our new agent. In my experience, if you pay your premiums, are honest and fair with nationwide, they will offer the same.

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Rated with 4 stars
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Verified Reviewer
Original review: Dec. 5, 2020

I have had Nationwide Homeowners insurance for over 30 years and have been very happy with them. I have had to make claims with them due to wind and fire losses. Nationwide was always very helpful from the beginning to the end of claims.

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    Rated with 5 stars
    Verified Reviewer
    Original review: Nov. 21, 2020

    Nationwide is surely on your side when it comes to all of your insurance needs. I remember when I was younger and all the different insurance companies my Mom and late Dad used. Then they finally settled in on Nationwide. After that I never heard any complaints concerning homeowners, let alone the other insurance they offer. The big thing was when I went to Columbus, Ohio and saw the transformation that Nationwide took from just insurance to the the point of the children's hospital was changed to and currently still is named, Nationwide Children's Hospital.....They bought most of the block and rebuilt the hospital for all to enjoy.

    Nationwide has very good price margins so that anyone can afford them. They quickly investigate and resolve your claim. And if there is a need for a court appearance, you better believe they have the best counsel and the truth will definitely be revealed. I would recommend Nationwide Insurance to any and everyone for their homeowners insurance and basically all other insurance needs. I have been in the the know of this company for over 40 and my family and I have not ever had any disappointments, may it be the prices, packages, employees or payout, you will definitely be satisfied with Nationwide. I recommend Nationwide Insurance to everyone I know and meet!

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    Rated with 4 stars
    Verified Reviewer
    Original review: Sept. 2, 2020

    Have been looking around for a replacement policy and still in the decision mode. Many of the above factors are better at the competition. Have been with this company for many, many years, but their pricing, especially, is become off the charts.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Aug. 30, 2020

    Recently my wife lost a diamond stone in her wedding ring. Our policy covers jewelry and we did submit an appraisal prior to coverage. Ring was valued at $12,200. I submitted the claim and within days it was approved for the appraised value. A few days later I received the check. I was expecting my premium to increase due to the claim however to my surprise my premium went down a few dollars.

    3 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: April 30, 2021

    Nationwide agent in Lexington SC assured me I had Mold cover. Then when I needed to use that coverage they said I did not have it. It is a state law requiring Mold coverage. They also insured the owner of the house I rented so they teamed up w him to avoid paying my claim. My sister died due to the Mold in that house. The DCD

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    Rated with 1 star
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    Verified Reviewer
    Original review: April 29, 2021

    I am very dissatisfied with Nationwide and would not recommend going with this company for anyone who owns a home. I put a claim in on 4/6. Today is 4/29 and they are still investigating. I now have to come out of pocket for something insurance should handle. This issue should have been rectified ASAP yet they do not see the importance of it. My entire downstairs has been damaged due to water overflow from the toilet. Floors had to be pulled, baseboards were damaged as well as cabinets.

    Nationwide keeps going back and forth about the cabinets saying the water did not affect this, they sent a company out to inspect the cabinets on 4/23, of course the cabinets will be dry TWO WEEKS LATER.. But now there is a bigger issue, there’s mold that’s being formed under the cabinets where the water was. Nationwide does not care and is still dragging their feet when it comes to my issue. I’ve already contacted customer relations about this issue and honestly I’m not sure what else to do. I’m losing money and my mind.. So again, DO NOT GO WITH NATIONWIDE..

    2 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: April 12, 2021

    I have never seen such as a worthless adjuster. I had a claim opened since earlier march and this adjuster Jared ** is racist and lazy on top of that. At first he took forever just to show up at my house. After 4 days for filing a claim for basement flooded he finally showed up to look at the damages but it was already too late because I had already hired a mitigation company, the guy called him and left him a voicemail about the situation in the basement he never responded back. He did say he was gonna send me the settlement the same night he came over. He never did. He actually went on Vacation.

    After 6 more days and after talking to his supervisor he ended sending the settlement in my email. It took him another 4 more days to mail me the check while he could have just directed deposited it. He held on to couples more thousands when I got a estimate from the carpet people, I had texted him to let him know that I needed some money he wanted me to send him the invoice. When sent him both invoices he took time off again starting today until Friday. He is really worthless and can not even do his job and on top of that he is racist because he would not do what he did to a ** person. I guess he thinks he is doing me a favor. I am done with this company. I cannot wait to get a quote from different insurance.

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    Rated with 1 star
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    Verified Reviewer
    Original review: March 20, 2021

    Today I spent a considerable time applying for home owner’s insurance online. I filled everything out and even received a policy number. I just received a call who said he had to confirm a few items. As he went on, it was obvious he wasn’t looking at my online application at all. He was going the same questions I had answered online. Then, he wanted to confirm the information. He didn’t have the outside structure correct, the utilities or even whether or not the residence had a fireplace or not. He then quoted a far lower quality of insurance policy than I had agreed to online .... for more money. Nationwide is NOT on your side. And now I have start all over again elsewhere.

    2 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: Dec. 18, 2020

    I had a question about a claim and didnt know if we had to file under our insurance or not as it was not our fault and claim rep had no clue and sent me to a claim agent out of my state and he had no clue/never got back to me when promised. I had to contact him 2 times before I heard from him and he said, "Yea pay your deductible and we'll file a claim on the other insurance company and hope that you can get your deductible back." NO. That is not how that works.

    Then asked me to pay deductible and send him pics and find my own company to fix the fence. "NO, do your job. I am not getting paid to look up all this info. What is he getting paid for." He had no comment and asked if I wanted to withdraw my claim and I said, "YES. I will not work with Nationwide ever again." Going to look for new insurance for my mom. Terrible service and had no idea what he was even talking about. I think the first day on the job for this gentleman as well as the Customer service agent.

    6 people found this review helpful
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    Nationwide Homeowners Insurance Company Information

    Company Name:
    Nationwide Insurance
    Website:
    www.nationwide.com