Considering affordability, customer service, coverage and financial stability, Nationwide ranks fourth overall nationally for home insurance. It offers the most affordable home insurance rates for newer homes and ranks highly in coverage and financial stability. Review our ratings below.
Nationwide Home Insurance Review
Updated: June 25, 2025
Advertising & Editorial Disclosure
Key Takeaways
Nationwide ranks fourth overall for home insurance affordability, with particularly low rates for those with newer homes.
Nationwide ranks fourth in the nation for customer satisfaction, with high ratings for claims satisfaction and financial stability.
Nationwide ranks first overall for coverage options, with add-ons that include equipment breakdown and credit card coverage.
Nationwide Home Insurance Ratings
| Overall Rating | 75 | 4 |
| Affordability | 43 | 4 |
| Customer Satisfaction | 18 | 4 |
| Coverage | 10 | 1 |
| Financial Stability | 3 | 2 |
*Scores are based on a 2,500-square-foot home, $250,000 dwelling coverage and a $1,000 deductible.
Nationwide Home Insurance Ratings by State
While Nationwide ranks within the top four nationally, these ratings vary depending on your state. The table below shows how the company stacks up by location.
| Alabama | 79 | 4 |
| Arizona | 78 | 4 |
| Arkansas | 88 | 3 |
| California | 73 | 3 |
| Colorado | 51 | 6 |
| Delaware | 64 | 3 |
| District of Columbia | 81 | 1 |
| Florida | 91 | 2 |
| Georgia | 55 | 5 |
| Idaho | 81 | 2 |
| Illinois | 83 | 3 |
| Indiana | 76 | 4 |
| Iowa | 77 | 4 |
| Kansas | 52 | 8 |
| Kentucky | 85 | 3 |
| Maryland | 84 | 4 |
| Mississippi | 84 | 2 |
| Missouri | 62 | 4 |
| Montana | 89 | 3 |
| Nebraska | 78 | 4 |
| Nevada | 72 | 2 |
| New Hampshire | 47 | 7 |
| New York | 67 | 4 |
| Ohio | 79 | 4 |
| Oregon | 85 | 1 |
| Pennsylvania | 77 | 4 |
| Rhode Island | 68 | 5 |
| South Carolina | 70 | 5 |
| South Dakota | 69 | 5 |
| Texas | 82 | 3 |
| Utah | 76 | 3 |
| Virginia | 74 | 5 |
| Washington | 90 | 1 |
| West Virginia | 87 | 1 |
| Wisconsin | 54 | 7 |
How Much Is Nationwide Home Insurance?
For most homeowners, Nationwide home insurance costs $202 monthly and $2,426 yearly. However, depending on your unique profile and coverage needs, costs can vary from $34 to $1,998 monthly. Below, we've broken down costs in a filterable table that can fit your profile.
Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
Claims History:Claim free for 5+ years
Select
Age of Home:Older Homes
| $250K Dwelling / $125K Personal Property / $200K Liability | $202 | $2,426 |
Nationwide Home Insurance Cost by State
Costs also vary heavily by state. Below, you can review pricing for Nationwide home insurance by location:
| Alabama | $347 | $4,160 |
| Arizona | $175 | $2,094 |
| Arkansas | $245 | $2,944 |
| California | $102 | $1,222 |
| Colorado | $428 | $5,138 |
| Delaware | $92 | $1,109 |
| District of Columbia | $84 | $1,010 |
| Florida | $472 | $5,667 |
| Georgia | $193 | $2,312 |
| Idaho | $84 | $1,012 |
| Illinois | $132 | $1,585 |
| Indiana | $177 | $2,127 |
| Iowa | $148 | $1,773 |
| Kansas | $489 | $5,862 |
| Kentucky | $176 | $2,117 |
| Maryland | $166 | $1,993 |
| Mississippi | $367 | $4,401 |
| Missouri | $253 | $3,036 |
| Montana | $200 | $2,397 |
| Nebraska | $424 | $5,083 |
| Nevada | $90 | $1,077 |
| New Hampshire | $112 | $1,344 |
| New York | $105 | $1,263 |
| Ohio | $134 | $1,613 |
| Oregon | $76 | $911 |
| Pennsylvania | $114 | $1,371 |
| Rhode Island | $154 | $1,846 |
| South Carolina | $265 | $3,177 |
| South Dakota | $281 | $3,373 |
| Texas | $401 | $4,811 |
| Utah | $89 | $1,064 |
| Virginia | $182 | $2,184 |
| Washington | $85 | $1,019 |
| West Virginia | $115 | $1,380 |
| Wisconsin | $119 | $1,433 |
Nationwide Home Insurance Coverage Options
In addition to standard coverage options, Nationwide offers the following add-ons:
Add-on Coverage Option | Coverage Details |
|---|---|
Back-up of sewer or drain | Protects your home in the event of a sewer or drain backup |
Building ordinance or law* | Helps pay to rebuild your home to current building codes after a covered loss |
Credit card coverage* | Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card; also applies to forged checks and counterfeit money |
Cyber event/Identity theft | Helps keep personal data secure amid a growing number of risks and cybercrimes |
Earthquake coverage | Provides coverage for earthquake damage with a separate deductible |
Equipment breakdown coverage | Helps provide repair or replacement coverage in the event of an electrical, mechanical or pressure system breakdown |
Roof coverage* | Gets your home rebuilt with stronger, safer roofing materials if you have a covered loss |
Scheduled personal property | Provides additional coverage for high-value items such as jewelry, watches, antiques and fine art |
Service line | Protects against damage to exterior, underground service lines (water, gas, electricity) to your residence |
*Coverage is included in basic homeowners plans.
Nationwide Homeowners Insurance Review: Bottom Line
Overall, Nationwide ranks among our top four for home insurance policies, and we recommend contacting it for quotes. While Nationwide may be a good provider, compare other options and pricing to get the best deal.
Nationwide Home Insurance: FAQ
Below are answers to frequently asked questions about Nationwide home insurance:
Is Nationwide home insurance good?
Nationwide home insurance is a strong choice, earning the fourth overall spot nationally. It ranks fourth for affordability, fourth for customer satisfaction and first for coverage options.
How much is home insurance with Nationwide?
The average annual cost of Nationwide home insurance for $250,000 in dwelling coverage is $2,426, about $244 less than the national average. Personal factors and coverage levels could shift your premium between $408 and $23,976 annually.
How is Nationwide's home insurance customer service?
Nationwide's home insurance customer service has high rankings for claims satisfaction and customer satisfaction, according to J.D. Power.
How We Rated Nationwide Home Insurance
We used the following base profile to determine rates for all homeowners insurance providers and judge their affordability:
- 40-year-old homeowner
- 2,500-square-foot house
- $250,000 dwelling coverage
- $125,000 personal property coverage
- $200,000 liability coverage
- Good credit
- No claims in the past 5+ years
Our ratings system consisted of the following scoring mechanisms:
- Affordability (55% of score): Using our base profile as a guide, we compared costs relative to the national average and competition.
- Customer experience (35% of score): We considered forum ratings from customers, industry studies from J.D. Power and AM Best Financial Strength scores.
- Coverage (10% of score): This score considers add-on coverage selections relative to the average and the uniqueness of selections available.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.