Nationwide Homeowners Insurance

Nationwide - Homeowners

 3.9/5 (129 ratings)
  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars
Get a Quote on SmartFinancial

About Nationwide - Homeowners

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
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

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

Why Trust ConsumerAffairs
How do I know I can trust these reviews about Nationwide Insurance?
  • 4,009,135 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.

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...

Read full review
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...

Read full review

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.

Recent
  • Recent
  • Oldest
  • Most helpful
Any
  • Any
  • Rated with 5 stars
  • Rated with 4 stars
  • Rated with 3 stars
  • Rated with 2 stars
  • Rated with 1 star

A link has directed you to this review. Its location on this page may change next time you visit.

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?
  • 4,009,135 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 1 star
Verified Reviewer
Original review: July 30, 2022

This is a review I wrote on a Nationwide broker/agent but it perfectly reflects the lack of character and integrity of the company and everyone that works there. I tend to trust people easily. I trusted Terry ** and that was a big mistake. I won’t stop trusting people as a result. I’ll just toss Terry’s name into the stinking garbage bucket of others like him that I have encountered. NBS Insurance Agency and Terry **, the agent and I believe owner, along with Nationwide Insurance Company, are a huge disappointment. It turns out that Terry ** has no sense of honor, is lacking in honesty and integrity and is a perfect example of how businesses turn against customers when it’s to their advantage, refusing to do the right thing. Terry will turn his back on you if it suits him.

I’ve learned the hard way that Terry’s word is no good so don’t take anything he says or promises as true or binding unless you get it in writing. Better yet, just stay away from him. Terry verbally and strongly stated an appliance breakdown endorsement would cover the appliance no matter the age or whether the age related condition is the reason for the failure. Then he encouraged me to file a claim for my furnace and air conditioner, which was denied based on printed language in the endorsement. He then encouraged me to file a complaint with the California Department of Insurance, which I did. When Terry was questioned and asked for his response to my complaint, he backpedaled at lightening speed and in some sort of way denied what he had told me and instead merely stated that he had provided me with the written endorsement which can easily be read and understood if you simply get a law degree.

Nationwide, in my case, and probably any other underwriting insurance company he may be associated with, will not stand behind him and back him up. I have been insured with Nationwide through Terry and NBS for decades and just recently made my first claim which was denied by Nationwide. After many weeks hearing Terry state that he has told me numerous times that the claim should be valid and approved, he has suddenly turned 180 degrees and is no longer on my side of the issue against Nationwide, as he had been since the beginning of my claim process.

At Terry’s suggestion I filed a claim with the California Dept of Insurance to protest the denial by Nationwide. Terry has received a letter from the Dept of Insurance requiring him to document all that he told me that led me to believe that my claim should be approved. The result is that Terry is reversing his position and is saying that he did not say anything to lead me to believe my claim should be approved. In my opinion Terry is either angry that he has to be involved or afraid that he might be in trouble for misleading me.

I strongly recommend against doing any business with Terry **, NBS Insurance Agency and Nationwide Insurance Company unless you don’t mind being hung out to dry on your own when you have a claim. They will all just lead you on a wild goose chase, contradict things that were told to you and put you into a frustrating and losing position.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 28, 2022

I've since moved on to greener pastures but I do remember how enthusiastically they raised my premiums on a regular basis and how horrible they were when it was time to process claims. Their staff was rude, thoughtless, insulting and manically dedicated to persuading you not to proceed with your claims. There are countless better options! Beware and take heed.

2 people found this review helpful

Not sure how to choose?

Get buying tips about Homeowners Insurance delivered to your inbox.

    By entering your email, you agree to sign up for consumer news, tips and giveaways from ConsumerAffairs. Unsubscribe at any time.

    Thank you, you have successfully subscribed to our newsletter! Enjoy reading our tips and recommendations.

    Rated with 1 star
    Verified Reviewer
    Original review: June 24, 2022

    Is very horrible experience very unprofessional. We had a storm that was a 102 miles an hour wind they paid for one door. They had insurance agent come out and engineer. But my next door neighbor got all new siding, new door, and all new windows. We had the same damage! The only difference is that they did not go through nationwide horrible company! Do yourself a huge favor and never go through them!

    Be the first one to find this review helpful
    Customer increased Rating by 3 stars!
    Verified Reviewer
    Resolution response: April 6, 2022

    The company did not reach out to me regarding this review. However our adjuster has gotten back to us and had some personal issues, we are moving towards a resolution at this time as far as I know.

    Original review: March 26, 2022

    We were displaced from our home on 9/1/2021 by a Tornado. We cooperated fully with our Nationwide adjuster and agreed to use an "On Your Side" repair company, but today is 3/26 and between the company they recommended to us and our adjuster there is still no approved estimate for repair so nothing but gutting our home has been done.

    Our adjuster has missed an egregious amount of damage to our home in his estimates and will not respond to use (broken windows, siding damage, interior damage) is all missing from his report. He was at our home a week after the incident saw this and agreed to cover it verbally, and in emails to us recapping our conversation. 2 weeks ago we contacted the Nationwide Office of Customer Relations and requested assistance with our claim. Nothing has come of this yet.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 22, 2021

    I have a remodeling company and deal with insurance companies and adjusters all the time. On a recent storm there was a lot of exterior vinyl siding damage and had to replace the entire home's siding. Prior to the start of the project I told the adjuster that they were under figuring the square footage of the home to underpay the homeowner, he tried arguing that it was enough. Job finished and they were short by almost 600 sq ft and wouldn't do a thing about it. I've had this before with other companies and they always make the adjustments at the end. But not these people, guess their Not "On your side".

    10 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 21, 2021

    It's very unfortunate to find out this big of a company acts like a scam. We purchased our homeowner insurance, providing all accurate information and received a quote. Even though it was a bit higher than the quotes we received from local agents, we decided to go with NationWide, thinking they are a large and reputable company. A month later, they sent out an inspector and then told us they need to increase the dwelling cost, therefore our premium. We did not agree with the over 100k dwelling cost increase because the original dwelling cost was close to every other quote we got. So we called the customer service multiple times to see if we could keep the original dwelling quote, which they declined. So we cancelled our policy and waiting for a prorated refund.

    Here is the best part!! When we received the check, we found they still charged us the prorated increased premium, which we did not agree with. When we contacted the company again, they told us it was because the inaccurate square footage we provided, but cannot tell us what the difference. (Fyi: we never needed to provide sf when we requested the quote.) Then they said it was the siding material that was inaccurate even though that was not true either. Finally, they told me they need to escalate the case and gave me a hotline 614-249-8965 for complaint, which WAS A NON-WORKING NUMBER!

    8 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 4, 2021

    Nationwide is on your side…unless you have pit bulls as pets, in which case they will stereotype, prejudge, and then discriminate by refusing to insure you. By making it harder for pit bull owners to get home insurance, they are perpetuating a myth and contributing to their overpopulation in shelters, ultimately leading to many sweet and unaggressive dogs being euthanized. All based on ignorance. Discrimination is wrong, whatever form it takes. Even if you don’t have pit bulls, please don’t give this company your business!

    6 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: June 26, 2021

    I have been with Nationwide since 1984. The company has provided excellent car insurance and repair services as well as affordable homeowners' insurance. I am a satisfied consumer. I pay for what I need. And the policies are adequate!

    2 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: June 11, 2021

    I had a water claim years ago and the insurance company went above and beyond to get my kitchen redone even better than it was originally. I had new cabinets and flooring countertops installed. What a blessing.

    3 people found this review helpful
    Rated with 1 star
    profile pic of the author
    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

    7 people found this review helpful
    Loading more reviews...

    Nationwide Homeowners Insurance Company Information

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