It all started with a company, selling affordable insurance policies to local farmers in 1926. It then expanded its reach, offering services to rural states and metropolitan areas, changed their name and became what we today know as the Nationwide Mutual Insurance Company. You can purchase homeowners, car, pet, boat, motorcycle, farm, commercial, and life insurance from them. The home insurance provider has over $158 billion in legal assets, thus making the shareholder-owned company is one of the largest in the United States.
But can you be sure it’s the one for you? There are Nationwide home insurance reviews online, but can you trust them?
Don’t worry. We’ve got ya.
The research for our Nationwide home insurance review consisted of examining several types of home insurance coverage options, including optional coverage for homeowners. We looked at the various discounts offered by this and other insurance providers and compared them.
Nationwide home insurance reviews and ratings from customers also played an important part in our review. The National home insurance ratings were satisfying.
We also reviewed the website to determine how user-friendly it is and the various options to contact the customer service and claims department they provide. We also needed to know if the Nationwide home insurance phone number was easily found.
We considered their pricing structure too. For that, we used a specific situation to determine the premium a homeowner may receive.
Nationwide home insurance is available in every state except Hawaii, Louisiana, and New Hampshire.
Nationwide offers a large variety of coverage options for its customers. You can customize your homeowner insurance policy by choosing from the many options they offer. You can select one or more additional coverage options to add to your home insurance policy based on where you reside, your requirements, budget, and weather. If you can’t decide on a coverage option, you can always discuss this with one of your agents.
Here’s what you can choose from:
Just like all home insurance providers, Nationwide Home Insurance company considers several factors. This includes where you reside, how your property was built, the local crime rate, and how far your home is from emergency services. Nationwide Home Insurance reviews claim, that compared to other home insurance providers, it is relatively more affordable.
The average Nationwide home insurance quote comes to a little over the average premium ($2,068). Since they offer several discounts, you can obtain a reduced home insurance premium. The Nationwide home insurance pricing largely depends on the coverage amount on your homeowners’ insurance policy. Here’s an overview of the coverage amount and the related annual premium:
|Coverage Amount||Annual Premium|
|$50,000 to $200,000||$1,496|
|$200,000 to $400,000||$1,842|
|$400,000 to $600,000||$2, 201|
|$600,000 to $800,000||$2, 865|
|$800,000 to $1,000,000||$2, 866|
Nationwide Home Insurance offers its customers the following discounts:
Nationwide Home Insurance has fairly positive reviews for its size. In 2019, the J.D. Power’s awarded the home insurance provider with three out of five stars for customer satisfaction, repairs, and claim settlements. As for Nationwide home insurance customer reviews and complaints, the insurance provider has received complaints about delays in the claim settlement process, substandard offers, and claim denials.
The Nationwide home insurance BBB rating and Nationwide home insurance AM Best Rating are excellent. In terms of financial strength rating, they have a fairly good one.
However, in terms of providing customers easy access, the home insurance provider stands out. You can fill out their online application to receive an estimate within a few minutes. You can even discuss your options with a live agent. They also offer an efficient mobile app, which you can use to pay your bill, manage your various coverage options, and file a claim.
You can contact their customer sales and service department from their website or call them. Their sales team is available from 8 AM to 10 PM from Monday to Friday and from 9 AM to 7:30 PM on Saturday.
Their customer service department is available from 8 AM to 9 PM on weekdays only. The Nationwide home insurance customer service number is 1-877-669-6877. You can also find an agent to talk to regarding your coverage from their website. You can also fill out a feedback form online. If your query isn’t urgent, you can email them.
You need to create an account on their website to access certain features designed for customers. You can change your plan, add new coverage options, pay bills, and updating billing information online. The website is easy to navigate.
You can file a claim at any time, online, via phone call, or from their free mobile app. The Nationwide Home insurance claims phone number is 1-800-421-3535. Once you have filed a claim, you can track it by logging in on the website or through the mobile app. You will not face any issue navigating the website to find different information. They also offer a member resource guide for customers seeking more information.
This comparison will give you an idea about the home insurance provider you should choose:
State Farm Home Insurance’s customer service support is better, as reviews about Nationwide Home Insurance have pointed out low response times, especially regarding their claim process. If you’re looking for discounts, you won’t get them with State Farm, so you’re better off going with Nationwide Home Insurance.
Both Geico and Nationwide are known for offering a lot of discounts, but Geico homeowners insurance offers a bit more. Geico offers a better customer experience as well. The downside to choosing Geico over Nationwide is that they offer limited access to agents. Nationwide offers access to agents by connecting them to you from their website.
Allstate Home Insurance offers a diverse number of coverage options and discounts. You can customize your homeowners’ insurance based on your situation. The home insurance coverage is best for homeowners who want to customize their home insurance policy, but it isn’t best for luxury properties. Nationwide home insurance is a good option for people who live in luxury home.
Farmers Home Insurance is more costly than Nationwide Home Insurance. You can customize Farmers Home Insurance for electronics and jewelry insurance. If you want more than one pricing option, Farmers Home Insurance may be right for you, as Nationwide doesn’t offer three tiers of coverage.
However, Farmers offer fewer discounts than Nationwide.
Nationwide Home Insurance reviews recommend it for those looking for flexible homeowners’ insurance. The provider offers a wide variety of coverage options and discounts to its customers. This makes it easier for homeowners to customize their insurance coverage. It also prevents them from buying options that they don’t need.
Homeowners can benefit from several discounts. The downside is that water backup insurance isn’t part of the standard homeowners’ coverage option. You’ll have to purchase it separately, but in doing so, it’ll increase your annual premium.
Nationwide Home Insurance offers a simple and easy to use online application and claims process. You can generate a quote right from their website without needing to contact a live agent. You’ll earn convenience points when you submit claims through your mobile app, which is free to download, or you can file it online via their website.
Out of all the home insurance providers, our analysis revealed that they are rated as the lowest home insurance provider. You can use Nationwide home insurance review as a guide to making the right decision.
Nationwide Home Insurance company ranks average or lower for home insurance. The insurance provider is better known for offering excellent life insurance coverage. They’re still regarded as one of the best insurance carriers available for people due to their customizable and affordable coverage options for different types of home and income levels.
Nationwide Home Insurance offers a yearly premium of around $2,000. The home insurance company offers standard coverage for the replacement costs for personal property, dwellings, inflation protection, loss of use, and ordinances and loss assessment.
The Royal and Sun Alliance Insurance PLC underwrites the home insurance policies of Nationwide Home Insurance.
Nationwide Home Insurance Coverage is available in all states, except in Hawaii, New Hampshire, and Louisiana.
Nationwide provides homeowners with affordable premiums, discounts, and excellent customer service. However, their online and mobile services compared to State Farm are unsatisfactory, according to Nationwide Home Insurance reviews. The home insurance provider you choose to go with solely depends on your requirements and budget.
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