Nationwide Home Insurance Review


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Key Takeaways

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Nationwide ranks fourth overall for home insurance affordability, with particularly low rates for those with newer homes.

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Nationwide ranks fourth in the nation for customer satisfaction, with high ratings for claims satisfaction and financial stability.

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Nationwide ranks first overall for coverage options, with add-ons that include equipment breakdown and credit card coverage.

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Nationwide Home Insurance Ratings

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.

Overall Rating754
Affordability434
Customer Satisfaction184
Coverage101
Financial Stability32

*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.

Alabama794
Arizona784
Arkansas883
California733
Colorado516
Delaware643
District of Columbia811
Florida912
Georgia555
Idaho812
Illinois833
Indiana764
Iowa774
Kansas528
Kentucky853
Maryland844
Mississippi842
Missouri624
Montana893
Nebraska784
Nevada722
New Hampshire477
New York674
Ohio794
Oregon851
Pennsylvania774
Rhode Island685
South Carolina705
South Dakota695
Texas823
Utah763
Virginia745
Washington901
West Virginia871
Wisconsin547

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

*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?

How much is home insurance with Nationwide?

How is Nationwide's home insurance customer service?

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


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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.


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