LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Home insurance review

Nationwide Home Insurance Review (2026)

Nationwide earned 4.2 / 5 in our 2026 review. Best for: brand new belongings replacement cost coverage. Here is the full breakdown.

By the Fintiex Insurance Desk · Updated 2026-05-02
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Key stats
Annual premium
$1,400 to $1,900
AM Best
A+
JD Power
812 / 1000
Bundling discount
Up to 20%
States available
All 50 states
Flood coverage
Separate policy
Digital experience
Good
Fintiex rating
4.2 / 5
Pros
  • +Brand New Belongings pays to replace items at today's prices, not depreciated value
  • +Better Roof Replacement upgrades your roof materials when you file a claim
  • +Vanishing deductible rewards claims-free years
  • +Home renovation credit for upgrading plumbing, electrical, or HVAC
  • +Multi-policy discount for bundling with auto
  • +Identity theft protection available as add-on
Cons
  • -Not available in Alaska, Hawaii, Louisiana, or some coastal areas
  • -Some specialized coverage only available through agents
  • -Premiums above average for high-value homes

Coverage available

DwellingOther structuresPersonal propertyLoss of useLiabilityMedical payments

Nationwide includes the six standard parts of a home policy. Flood and earthquake coverage are excluded by default, which is industry standard. Add them as separate policies if you are in a high-risk zone.

Best for

Nationwide is the right pick if you prioritize brand new belongings replacement cost coverage. It earns top marks for claims process. If you do not match this profile, compare against the other top picks on our home insurance hub.

Overview

Nationwide carries an AM Best financial strength rating of A+, which matters more in home insurance than almost any other line. When a hurricane, wildfire, or hail storm hits a region, claims can spike fast. A well-capitalized carrier pays them. A weak one can struggle. The carrier writes policies in All 50 states and is best known for brand new belongings replacement cost coverage.

Premiums for a typical $300K single-family home, $250K dwelling, and a $1,000 deductible run $1,400 to $1,900 per year with Nationwide. That puts the carrier around the middle of the home insurance market. Of course, premium varies sharply by ZIP code, home age, roof condition, claims history, and credit.

On customer satisfaction, Nationwide scored 812 on the latest JD Power US Home Insurance Study. That puts it right around average. The digital experience is rated good.

How to get a Nationwide quote

Getting a quote from Nationwide takes about 10 to 15 minutes online. You will need your home address, year built, square footage, roof type and age, and an estimate of the dwelling replacement cost. Most carriers also ask about prior claims in the last 5 years and your current insurance status.

  • Visit the Nationwide home insurance page
  • Enter your address, home details, and coverage info
  • Pick coverage limits (set dwelling to replacement cost, not market value)
  • Review the quote and apply bundling and other discounts
  • Bind the policy online or speak to an agent
Start a Nationwide quote

Frequently asked questions

Is Nationwide home insurance worth it?
Nationwide earned 4.2 out of 5 in our 2026 review. It carries an AM Best rating of A+ and a JD Power home insurance satisfaction score of 812 out of 1,000. Best for: brand new belongings replacement cost coverage.
How much does Nationwide home insurance cost?
Average premiums range from $1,400 to $1,900 per year for a typical $300K single-family home with $250K dwelling coverage and a $1,000 deductible. Your rate depends on home age, construction, claims history, ZIP code, and credit.
Does Nationwide cover floods and earthquakes?
Standard Nationwide policies exclude flood and earthquake damage, which matches industry standard. You will need a separate flood policy through NFIP or a private insurer. Earthquake coverage is available as a separate endorsement in most states.
What does a standard Nationwide home policy cover?
Standard coverage includes: Dwelling, Other structures, Personal property, Loss of use, Liability, Medical payments. Most policies include personal property at 50 to 70 percent of dwelling coverage and liability at $100K to $500K.
Will I save by bundling Nationwide home with auto?
Yes. Bundling can save you about 20 percent on both policies with Nationwide. Always run the numbers against two standalone quotes to confirm the bundle wins.
Is Nationwide available in my state?
Nationwide writes home policies in all 50 states.

Ready to get a Nationwide home quote?

Takes about 10 minutes. No commitment to bind.

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