+120 more)
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
)
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Nationwide makes it easy to protect your home and finances with customizable coverage, annual policy reviews, and unique options like belongings replacement. Homeowners who bundle policies can save money, and many customers appreciate the support from local agents.
Nationwide’s average home insurance premium for $300,000 in dwelling coverage is $223 per month, according to our research. But your exact rate depends on where you live and your coverage needs.
We’ll break down Nationwide’s pricing, coverage options, discounts, and how it compares to the best home insurance companies.
Criteria  | Result |
|---|---|
| Average monthly premium* | $223 |
| Availability | Not available in AK, FL, LA, MA, NJ, or NM |
| J.D. Power rating | 641 |
| AM Best financial strength rating | A+ (Excellent) |
| NAIC complaint index** | 1.27 |
| Customer service phone number | 1 (877) 669-6877 |
| Mailing address | Nationwide Headquarters One Nationwide Plaza Columbus, Ohio 43215-2220 |
*Rate displayed represents $300,000 in dwelling coverage.
**A complaint index rating of 1.00 represents the expected number of complaints for a company of its size. A lower score indicates a fewer-than-average number of complaints.
Nationwide is a reliable home insurer with well-rounded coverage options, including coverage for brand-new belongings and better roof replacement. Nationwide’s annual policy review offers one-on-one policy checkups to help you avoid coverage gaps and ensure your policy reflects your home’s current value and coverage needs.
Despite higher-than-average customer complaints with the National Association of Insurance Commissioners (NAIC), Nationwide earns a solid rating from J.D. Power. The company also has an excellent financial strength rating from AM Best. If it’s available where you live, Nationwide is worth a look.
Get the home coverage you need at the best price.
Home insurance premiums vary by insurer, and each company has its own risk models, discounts, and coverage options. For a $300,000 dwelling, Nationwide’s average rate is $223 per month.
You’ll typically pay more if you have higher coverage, live in a disaster-prone location, or have an older home. Rising material costs, inflation, and disaster losses have increased home insurance rates countrywide.[3]
Let’s take a look at how rates vary by coverage amount and location.
The amount of dwelling coverage you need plays a big role in determining your premiums. The more your home costs to rebuild, the higher your rates will be. These costs reflect only the rebuilding cost of your home, not its market value. Larger homes, custom materials, and local construction rates can all increase premiums.
The table below shows Nationwide’s average monthly homeowners insurance rates by coverage amount, based on Compare.com data.
Dwelling Coverage Amount | Average Monthly Premium |
|---|---|
| $200,000 | $160 |
| $300,000 | $223 |
| $400,000 | $288 |
| $500,000 | $339 |
| $750,000 | $493 |
Where you live significantly affects what you pay for homeowners insurance. Insurers consider local risks, like wildfires, hurricanes, and floods, when calculating your rate. Crime rates and fire risk in your ZIP code can influence costs even within a state.
The map below shows Nationwide’s average monthly homeowners insurance premiums for $300,000 of dwelling coverage, according to data from Compare.com.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $255 |
| Arizona | $197 |
| Arkansas | $226 |
| California | $119 |
| Colorado | $231 |
| Connecticut | $${HOME_CARRIER_NATIONWIDE_300K_STATE_CT_PRICE} |
| Delaware | $115 |
| Florida | $566 |
| Georgia | $176 |
| Idaho | $154 |
| Illinois | $${HOME_CARRIER_NATIONWIDE_300K_STATE_IL_PRICE} |
| Indiana | $230 |
| Iowa | $120 |
| Kansas | $287 |
| Kentucky | $${HOME_CARRIER_NATIONWIDE_300K_STATE_KY_PRICE} |
| Louisiana | $${HOME_CARRIER_NATIONWIDE_300K_STATE_LA_PRICE} |
| Maine | $128 |
| Maryland | $170 |
| Massachusetts | $${HOME_CARRIER_NATIONWIDE_300K_STATE_MA_PRICE} |
| Michigan | $${HOME_CARRIER_NATIONWIDE_300K_STATE_MI_PRICE} |
| Minnesota | $${HOME_CARRIER_NATIONWIDE_300K_STATE_MN_PRICE} |
| Mississippi | $266 |
| Missouri | $203 |
| Montana | $201 |
| Nebraska | $272 |
| Nevada | $${HOME_CARRIER_NATIONWIDE_300K_STATE_NV_PRICE} |
| New Hampshire | $129 |
| New Jersey | $${HOME_CARRIER_NATIONWIDE_300K_STATE_NJ_PRICE} |
| New Mexico | $${HOME_CARRIER_NATIONWIDE_300K_STATE_NM_PRICE} |
| New York | $115 |
| North Carolina | $497 |
| North Dakota | $${HOME_CARRIER_NATIONWIDE_300K_STATE_ND_PRICE} |
| Ohio | $182 |
| Oklahoma | $${HOME_CARRIER_NATIONWIDE_300K_STATE_OK_PRICE} |
| Oregon | $108 |
| Pennsylvania | $138 |
| Rhode Island | $165 |
| South Carolina | $164 |
| South Dakota | $251 |
| Tennessee | $${HOME_CARRIER_NATIONWIDE_300K_STATE_TN_PRICE} |
| Texas | $299 |
| Utah | $118 |
| Vermont | $${HOME_CARRIER_NATIONWIDE_300K_STATE_VT_PRICE} |
| Virginia | $124 |
| Washington | $82 |
| District of Columbia | $${HOME_CARRIER_NATIONWIDE_300K_STATE_DC_PRICE} |
| West Virginia | $114 |
| Wisconsin | $160 |
| Wyoming | $${HOME_CARRIER_NATIONWIDE_300K_STATE_WY_PRICE} |
Researching what customers and industry experts say can help you get a better sense of a company’s claims process and customer service.
Before committing to an insurer, dig into consumer reviews and industry assessments to make sure you’re making a well-informed decision.
Here’s our overview of Nationwide’s customer reviews and industry ratings to get you started.
Real-world feedback shows how a company functions beyond its glossy marketing. While some customers praise Nationwide, others mention slow claims handling and price hikes.
Below is a summary of ratings from popular review platforms.[4][5][6]
Review Platform | Rating |
|---|---|
| Trustpilot | 1.4 out of 5 |
| Better Business Bureau (BBB) | 1.13 out of 5 |
| ConsumerAffairs | 2.9 out of 5 |
Nationwide scores low on Trustpilot and the BBB, with a marginally better rating on ConsumerAffairs. Customers report poor communication, challenges getting damage repaired, and inexplicable rate increases during policy renewals.
Still, many customers also say they love their rates and agents. Partnering with a Nationwide or independent agent is key — especially if your home has unique coverage needs.
Homeowners insurance industry organizations rate companies across factors like financial strength, customer satisfaction, and complaint frequency.
Below are Nationwide’s ratings from industry experts.[7]
Rating Service | Company Rating | Industry Average |
|---|---|---|
| J.D. Power customer satisfaction | 641 | 640 |
| J.D. Power claims satisfaction | 709 | 682 |
| AM Best | “A+” (Excellent) | N/A |
| NAIC complaint index | 1.27 | 1.00 |
Nationwide’s ratings show a strong performance. Its claims handling earns high marks, often near the top of J.D. Power’s home insurance satisfaction rankings. The company has an A+ (Excellent) rating from AM Best, so you know the company can pay claims when needed.
Nationwide has an above-average number of complaints with the NAIC, but the overall picture suggests a solid consumer experience.
Comparing quotes helps you find cheap home insurance that fits your needs and budget. Rates can vary significantly between insurers, even for the same coverage. Taking the time to shop around helps you spot policy differences, uncover discounts, and pick the right company.
Here’s how Nationwide’s average monthly rates compare to other major insurers across three common coverage levels, according to data from Compare.com.
Company | Average Monthly Premium |
|---|---|
| Nationwide | $223 |
| Allstate | $188 |
| American Family | $155 |
| State Farm | $226 |
| USAA | $146 |
Company | Average Monthly Premium |
|---|---|
| Nationwide | $339 |
| Allstate | $282 |
| American Family | $223 |
| State Farm | $317 |
| USAA | $206 |
Company | Average Monthly Premium |
|---|---|
| Nationwide | $493 |
| Allstate | $389 |
| American Family | $291 |
| State Farm | $422 |
| USAA | $278 |
)
Nationwide offers several ways to lower your homeowners insurance costs. Here’s a breakdown of their top discounts:
Multi-policy: Nationwide reports that bundling your home and auto insurance can save you around $1,000 annually.
Protective device: Install smoke detectors, burglar alarms, water-leak detectors, or other approved home security features to earn savings.
Claims‑free: Maintain a clean claims history to reduce your premium.
Home renovation credit: Upgrade plumbing, heating, ventilation, and air conditioning (HVAC), or electrical systems to qualify for discounts.
Smart home program: Nationwide may provide complimentary sensors and monitoring systems — plus a discount on water, fire, or theft coverages.
Discount amounts and qualifications may vary depending on where you live. If you’re unsure you’re getting all the discounts you qualify for, ask your agent to review your policy.
Choosing the right home insurance coverage is important, and Nationwide offers a variety of options. You’ll find some of these coverages offered by other insurers, but others are harder to come by.
Dwelling: Dwelling insurance covers your home’s structure, built-in appliances, and floors from things like fire or wind damage.
Other structures: This coverage protects detached structures like garages, sheds, and fences.
Personal belongings: Sometimes called contents insurance, this covers things like furniture and electronics with actual cash value or replacement cost value coverage options.
Loss of use: This coverage pays for temporary living expenses if a covered loss displaces you.
Medical payments to others: Medical payments coverage pays for minor medical costs for non-residents injured on your property.
Liability insurance: This coverage includes personal liability coverage if someone sues you for injuries or property damage.
Ordinance or law: Especially helpful for older homes, this covers code-required rebuilds
Credit card coverage: Nationwide will reimburse you for unauthorized charges or forged checks — a rare benefit from homeowners insurance.
Equipment breakdown: Similar to a home warranty, this coverage helps pay for HVAC or appliance failures.
Umbrella insurance: This coverage adds extra liability protection beyond your base policy.
Valuables Plus: You can opt for additional coverage for high-value items like jewelry or art beyond typical home insurance limits.
Brand New Belongings: Nationwide will replace damaged items with new ones, without deducting depreciation.
Most home insurance policies don’t cover natural disasters, so you need additional endorsements to cover things like earthquake damage. Additionally, Nationwide may manage your flood insurance, but the U.S. government backs your policy.
)
Whether you like to shop from your laptop or sit down with an agent, Nationwide gives you several ways to buy a home insurance policy. Here’s how:
Online: Visit Nationwide’s website to get a quote and buy directly from the site.
Nationwide agents: Local agents can explain coverage options and tailor a policy for your home.
Independent agents: Many independent brokers sell Nationwide policies alongside other companies so that you can compare coverage in one place.
Insurance comparison sites: Comparison sites show you Nationwide’s rates alongside other top insurers for easy shopping.
If you also need car insurance, bundling your home and auto policies with Nationwide could save you money. Learn more in our Nationwide auto insurance review.
Compare quotes from top insurance companies in seconds.
When shopping for homeowners insurance, most people have questions about coverage, costs, and how Nationwide compares to other companies. Below, we answer some of the most common questions to help you make the best choice for your home.
Nationwide’s standard homeowners insurance covers your home and personal belongings from damage from storms, fire, water, theft, and more. You can also buy coverage for additional living expenses if your home becomes uninhabitable due to a covered loss.
Nationwide doesn’t cover damage from things like natural disasters, floods, earthquakes, or routine wear and tear. You may need separate policies or add-ons for non-covered events, but you usually have to cover wear and tear out of pocket.
Nationwide’s average monthly premium for a $300,000 dwelling is $223, according to Compare.com data. That said, your rate can vary based on factors like your location and coverage limits.
It depends. Nationwide home insurance costs an average of $223 per month for $300,000 of dwelling coverage, according to Compare.com data. Compare that to the national average of $211 per month for $300,00 of dwelling coverage.
You’ll typically pay more for homeowners insurance if you live in a disaster-prone area or your home has high rebuild costs.
The best home insurance company depends on your coverage needs, so no single company is best for everyone. Nationwide stands out for its customizable coverage, but other insurers may offer lower rates or better customer satisfaction.
Vermont Mutual offers the cheapest homeowners insurance, at $72 per month for $300,000 of dwelling coverage, according to Compare.com data. But the cheapest option for you depends on factors like your location and coverage needs, so always compare quotes first.
)
J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
)
)
