---
title: "Nationwide Insurance Review [Updated 2026]"
description: "Nationwide Insurance offers a full range of personal insurance products including homeowners, auto, condo, renters, and umbrella coverage across 46 states. Founded in 1926, this Fortune 100 company maintains an A (Excellent) financial strength rating."
canonical: "https://www.coveragecat.com/reviews/nationwide"
last-updated: "2026-09-25"
---

# Nationwide Insurance Review [Updated 2026]

1. [Introduction to Nationwide Insurance](#introduction)
2. [What Kinds of Insurance Does Nationwide Offer?](#products)
3. [Homeowners Insurance](#homeowners)
4. [Auto Insurance](#auto)
5. [Condo and Renters Insurance](#condo-renters)
6. [Umbrella Insurance](#umbrella)
7. [How Does Nationwide Work?](#how-it-works)
8. [Pros and Cons](#proscons)
9. [Ratings and Customer Feedback](#ratings)
10. [Customer Support and Claims](#support)
11. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to Nationwide Insurance

Nationwide Mutual Insurance Company is a group of large U.S. insurance and financial services companies based in Columbus, Ohio. The company ranks No. 72 in the 2025 Fortune 500 list [(Fortune, "Fortune 500", 2025)](https://fortune.com/ranking/fortune500/) and employs approximately 24,000 people [(Wikipedia, "Nationwide Mutual Insurance Company", 2026)](https://en.wikipedia.org/wiki/Nationwide_Mutual_Insurance_Company).

Ohio farmers founded the company in 1926 as the Farm Bureau Mutual Automobile Insurance Company. They wanted fairer auto insurance rates. Nationwide issued its first policy on April 14, 1926, and changed its name to Nationwide Insurance in 1955, reflecting its expansion beyond Ohio [(Nationwide, "Nationwide celebrates 100 years", 2026)](https://news.nationwide.com/centennial/). The company celebrated its centennial in 2026, marking 100 years of continuous operation.

Today, Nationwide offers insurance and financial services across the country. Products include car, motorcycle, homeowners, pet, farm, life and commercial insurance. The company maintains regional headquarters in Scottsdale, Arizona and Des Moines, Iowa.

In 2025, Nationwide closed a $1.25 billion acquisition of a specialty employer benefits line from Allstate Corp. and acquired reinsurance renewal rights from Markel Insurance [(Wikipedia, "Nationwide Mutual Insurance Company", 2026)](https://en.wikipedia.org/wiki/Nationwide_Mutual_Insurance_Company). The company also announced a $1.5 billion investment through 2028 to accelerate technology and AI capabilities, including $100 million per year earmarked for AI through 2026 [(Fortune, "Nationwide AI Investment", 2025)](https://fortune.com/2025/10/29/why-insurer-nationwide-is-investing-1-5-billion-through-2028-on-ai-and-other-tech-initiatives/).

## <a id="products"></a>What Kinds of Insurance Does Nationwide Offer?

Nationwide offers an extensive range of personal insurance products. The company focuses on [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance), [auto insurance](https://www.coveragecat.com/insurance-types/car-insurance), and [umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance).

**Property Insurance:**
- [Homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) for single-family homes
- [Condo insurance](https://www.coveragecat.com/insurance-types/condo-insurance) for condominiums
- [Renters insurance](https://www.coveragecat.com/insurance-types/renters-insurance)
- Landlord/rental property insurance
- Vacation and seasonal home insurance
- Flood insurance

**Auto & Vehicle Insurance:**
- [Auto insurance](https://www.coveragecat.com/insurance-types/car-insurance)
- Motorcycle insurance
- RV insurance
- Boat and watercraft insurance
- ATV insurance
- Snowmobile insurance

**Liability Insurance:**
- [Personal umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance)
- Commercial umbrella coverage

**Other Personal Insurance:**
- Pet insurance
- Life insurance (term, whole, universal, variable)
- Travel insurance
- Identity theft insurance

## <a id="homeowners"></a>Homeowners Insurance

### Coverage and Availability

Nationwide operates in Washington, D.C., and 43 states. According to U.S. News & World Report, Nationwide homeowners insurance is not available in Alaska, Hawaii, Louisiana, Massachusetts, New Jersey and Oklahoma [(U.S. News, "Nationwide Homeowners Insurance Review", 2026)](https://www.usnews.com/insurance/homeowners-insurance/nationwide). Standard [homeowners insurance](https://www.coveragecat.com/insurance-types/homeowners-insurance) protection includes:

**Standard Coverages:**
- **Dwelling coverage** - Protects the home's structure, roof, walls, and built-in appliances
- **Other structures** - Covers detached garages, sheds, fences, and other structures
- **Personal property** - Protection for furniture, clothing, electronics, and belongings
- **Loss of use** - Additional living expenses if your home becomes uninhabitable
- **Personal liability** - Coverage for accidents on your property
- **Medical payments to others** - Pays medical expenses for guests injured on your property
- **Credit card fraud coverage** - Included in standard policy
- **Ordinance or law coverage** - Helps pay for code upgrades when rebuilding

**Unique Features:**

Nationwide includes unique programs in their homeowners policies that may provide additional value:

- Brand New Belongings - provides depreciated value coverage for your belongings if they're stolen or damaged. When you repair or replace your items, Nationwide will reimburse the difference between the depreciated value and how much you paid. 
- Better Roof Replacement - an optional coverage that allows you to rebuild your roof with better and safer roofing materials if it's destroyed in a covered loss. 
- Valuable Items Plus - an optional coverage that allows you to add lower cost, individualized coverage for high-value items in your home such as jewelry, antiques, and fine art. 
- Customers receive a free Ting fire prevention sensor in most states, which monitors for electrical problems and includes five years of monitoring plus $1,000 credit for Ting-identified repairs. In 2026, Nationwide and Whisker Labs expanded their strategic initiative to deliver 500,000 additional Ting sensors over the next two years, building on more than three years of proven fire prevention [(Nationwide, "Ting Program Expansion", 2026)](https://news.nationwide.com/nationwide-whisker-2026-partnership/)

**Optional Endorsements:**
- Extended replacement cost coverage
- Guaranteed replacement cost - pays to rebuild even if costs exceed dwelling limit [(Masterson, "Nationwide Home Insurance Review", 2023)](https://www.forbes.com/advisor/insurance/nationwide-homeowners-insurance-review/)
- Brand New Belongings® (replacement cost without depreciation)
- Earthquake coverage
- Equipment breakdown coverage
- Service line coverage
- Water backup coverage

For high-value homes, Nationwide offers a "Private Client" homeowners policy that covers accidental breakage of valuables and equipment breakdown, with extended and guaranteed replacement cost options [Ibid.](https://www.forbes.com/advisor/insurance/nationwide-homeowners-insurance-review/).

### Pricing

U.S. News & World Report reports that Nationwide homeowners insurance costs an average monthly base rate of $203, which translates to approximately $2,440 per year [(U.S. News, "Nationwide Homeowners Insurance Review", 2026)](https://www.usnews.com/insurance/homeowners-insurance/nationwide). For $350,000 in dwelling coverage specifically, Forbes found an average quoted premium of around $1,468 per year [(Masterson, "Nationwide Home Insurance Review", 2023)](https://www.forbes.com/advisor/insurance/nationwide-homeowners-insurance-review/). These rates vary based on location, coverage amounts, home characteristics, and individual factors.

| Coverage Amount | Average Annual Premium | Source |
|----------------|----------------------|--------|
| $300K dwelling | $2,073 | Previous industry data |
| $350K dwelling | $1,468 | Forbes (2023) |
| Base monthly rate | $203 ($2,440/year) | U.S. News (2026) |

### Discounts

Nationwide provides several discount options:

- **Multi-policy discount** - The company claims you can save up to 15% when you bundle home and car insurance [(Nationwide, "Discounts", 2026)](https://www.nationwide.com/personal/insurance/homeowners/pages/discounts)
- **New home purchase** - Discount applies to homebuyers who purchased a house in the last 12 months
- **Claims-free** - Qualify for lower premiums if you don't claim losses within a certain timeframe
- **Home renovation** - Discounts for updated plumbing, heating, cooling, or electrical systems
- **Smart home discount** - Savings for smart home monitoring systems
- **Gated community** - Potential savings if you live in a gated community with security

## <a id="auto"></a>Auto Insurance

### Coverage and Availability

Nationwide does not sell auto insurance in Alaska, Hawaii, Louisiana, and Oklahoma [(Nationwide, "Auto Coverage Availability", 2026)](https://www.nationwide.com). The company offers all standard [auto insurance](https://www.nationwide.com/personal/insurance/auto/state/) coverage types:

**Standard Coverages:**
- Bodily injury liability
- Property damage liability
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments (MedPay)
- Personal injury protection (PIP)

**Additional Coverage Options:**
- Rental car expense coverage
- Roadside assistance
- Towing and labor reimbursement
- Gap insurance
- Vanishing deductible - earn $100 off your deductible for each year of safe driving (up to $500)
- Minor accident forgiveness for loyal customers
- Pet injury coverage
- Car key replacement

### Usage-Based Insurance Programs

Nationwide ranked as the top insurer for usage-based insurance in the 2025 J.D. Power U.S. Auto Insurance Study [(J.D. Power, "U.S. Auto Insurance Study", 2025)](https://www.jdpower.com). This marks the second consecutive year the company has topped this list.

Nationwide offers two telematics programs:
- **SmartRide®** - The company claims this usage-based insurance program provides feedback to help make safer driving decisions and earn discounts [(Nationwide, "SmartRide", 2026)](https://www.nationwide.com/personal/insurance/auto/discounts/smartride/)
- **SmartMiles®** - Pay-per-mile program ideal for low-mileage drivers [(Nationwide, "SmartMiles", 2026)](https://www.nationwide.com/personal/insurance/auto/discounts/smartmiles-ca)

AI technology will soon automate 80% of pet insurance claims, with 25% eligible for instant settlement, and speed farm insurance claim reviews by approximately 20% [(Fortune, "Nationwide AI Investment", 2025)](https://fortune.com/2025/10/29/why-insurer-nationwide-is-investing-1-5-billion-through-2028-on-ai-and-other-tech-initiatives/).

### Pricing

U.S. News & World Report ranks Nationwide as No. 5 among top auto insurers, with an average annual rate of $2,162, which is the fourth-highest among the top 10 insurers but still lower than the national average of $2,524 [(U.S. News, "Nationwide Car Insurance Review", 2026)](https://www.usnews.com/insurance/auto/nationwide-car-insurance-review).

### Customer Satisfaction

According to U.S. News & World Report, 74% of Nationwide customers are likely or very likely to recommend the insurer, and 83% are likely or very likely to renew their Nationwide auto policy [Ibid.](https://www.usnews.com/insurance/auto/nationwide-car-insurance-review). Nationwide is also No. 8 for customer satisfaction with value, scoring 3.97 out of 5 [(Ibid., "Nationwide Homeowners Insurance Review", 2026)](https://www.usnews.com/insurance/homeowners-insurance/nationwide).

## <a id="condo-renters"></a>Condo and Renters Insurance

### Condo Insurance

Nationwide offers comprehensive [condo insurance](https://www.coveragecat.com/insurance-types/condo-insurance) to protect condominium owners. Your condo association's insurance policy most likely only covers the building you live in—not the inside of your home or your personal property.

**Condo Insurance Coverages:**
- Personal property protection
- Additions and alterations coverage
- Loss of use/additional living expenses
- Personal liability coverage
- Loss assessment coverage
- Medical payments to others
- Credit card fraud protection

### Renters Insurance

Nationwide does not offer renters insurance in Alaska, Hawaii, and Oklahoma [(Nationwide, "Renters Insurance Availability", 2026)](https://www.nationwide.com). The company operates in 44 states and Washington, D.C. Standard [renters insurance](https://www.nationwide.com/personal/insurance/renters/state/) from Nationwide includes:

**Renters Insurance Coverages:**
- Personal property protection
- Liability coverage
- Medical payments to others
- Additional living expenses
- Credit card fraud coverage
- Water backup damage coverage

The company advertises an average monthly cost of $21 for renters insurance with $30,000 in property insurance and $100,000 in liability coverage [(Nationwide, "Renters Insurance", 2026)](https://www.nationwide.com/personal/insurance/renters/).

### Landlord Insurance

Nationwide provides landlord/rental property insurance for property owners. Landlord insurance provides financial protection if your rental property is damaged, becomes unlivable after a catastrophic event, or if someone is hurt on the property. Standard homeowners insurance only provides limited coverage for rental properties, making a separate landlord policy necessary.

## <a id="umbrella"></a>Umbrella Insurance

Nationwide offers [personal umbrella insurance](https://www.coveragecat.com/insurance-types/umbrella-insurance) to provide additional liability protection beyond your underlying home and auto policies.

### How Umbrella Coverage Works

A personal umbrella policy extends the bodily injury and personal damage liability limits of your home or auto policies. It offers an extra layer of liability protection for your wages, house, investments, cars and boats if you're in a serious auto accident or accident on your property.

**Example Scenario:**

Your home insurance provides $300,000 of liability coverage. A serious accident happens on your property resulting in a $1.3 million judgment against you. Your insurance pays up to $300,000 but you hold responsibility for paying the remaining $1 million. With $1 million of coverage under an umbrella insurance policy, you'd be covered with nothing out of your pocket.

### Coverage Details

Umbrella insurance typically covers up to $1 million. Additional umbrella coverage can be purchased. The average price ranges between $300 to $700 annually.

**What Umbrella Insurance Covers:**
- Bodily injury liability beyond underlying policy limits
- Property damage liability excess coverage
- Personal injury claims (libel, slander, defamation)
- Legal defense costs
- Coverage for incidents worldwide

**What It Doesn't Cover:**
- Damage to the policy owner's property or injuries to the policyholder or household members
- Business property damage
- Intentional or criminal acts
- Damages inflicted in a case where liability was assumed by the policy holder under contract

## <a id="how-it-works"></a>How Does Nationwide Work?

### Getting a Quote

Nationwide offers multiple ways to obtain insurance quotes:

1. **Online** - Start a quote at nationwide.com
2. **Phone** - Call 1-877-669-6877 for insurance help
3. **Local Agent** - Visit one of Nationwide's independent agents

Nationwide sells insurance through its sales force of Nationwide agents. These agents maintain neighborhood offices in 44 states and the District of Columbia.

### Digital Experience

It's easy to manage your policy on the Nationwide website. You can pay bills, get quotes, and file and track claims. The site's learning center features articles on various home insurance topics.

Nationwide's mobile app is available for iOS and Android. You can view policy info, file claims, pay bills and enroll in autopay.

### Payment Options

Nationwide offers flexible payment options:
- Monthly installments
- Annual payments
- Autopay enrollment
- Online payments
- Direct deposit for claim reimbursements [(Nationwide, "Insurance Claims FAQ", 2026)](https://www.nationwide.com/personal/insurance/claims/faq/)

The company advertises annualized savings on home and auto premiums when bundling, compared to stand-alone price of each policy, based on national sample from March - May 2024 [(Ibid., "Bundling Discounts", 2024)](https://www.nationwide.com).

## <a id="proscons"></a>Pros and Cons

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
      <li>Strong financial ratings - AM Best A (Excellent)</li>
      <li>Wide product variety across personal insurance lines</li>
      <li>Available in 43+ states for home insurance</li>
      <li>Free Ting electrical monitoring device for homeowners</li>
      <li>24/7 claims reporting</li>
      <li>Top-rated usage-based auto insurance programs</li>
      <li>100-year history and Fortune 100 company</li>
      <li>$1.5 billion technology and AI investment announced</li>
    </ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
      <li>Not available in Alaska, Hawaii, Louisiana, Massachusetts, New Jersey or Oklahoma</li>
      <li>Does not insure mobile or manufactured homes</li>
      <li>Rates may be higher than some competitors for minimum coverage</li>
      <li>Limited availability in high-risk disaster areas</li>
      <li>Customer satisfaction scores vary by region</li>
      <li>Some customer complaints about rate increases</li>
      <li>Mixed reviews for claims handling</li>
      <li>Notable bad faith litigation in Washington State (2024)</li>
    </ul>
  </div>
</div>

## <a id="ratings"></a>Ratings and Customer Feedback

### Financial Strength Ratings

AM Best affirmed the Financial Strength Rating of A (Excellent) and the Long-Term Issuer Credit Ratings of "a+" (Excellent) for Nationwide Property and Casualty Group on November 7, 2025. For Nationwide Life Insurance Company and subsidiaries, AM Best affirmed the FSR of A+ (Superior) and Long-Term ICRs of "aa-" (Superior). The outlook for all Credit Ratings is stable [(Yahoo Finance, "AM Best Affirms Credit Ratings", 2025)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-145400404.html).

Nationwide holds an A+ rating from Standard & Poor's, the fifth highest of 21 ratings, affirmed 04/30/24 [(Nationwide, "Company Ratings", 2024)](https://www.nationwide.com/personal/about-us/company-ratings/). From Moody's, Nationwide has an A2 rating, the sixth highest of 21 ratings, received 11/10/23 [Ibid.](https://www.nationwide.com/personal/about-us/company-ratings/).

| Rating Agency | Rating | Rank | Date Affirmed |
|--------------|--------|------|---------------|
| AM Best (P&C) | A (Excellent) | 3rd of 16 | Nov 7, 2025 |
| AM Best (Life) | A+ (Superior) | 2nd of 16 | Nov 7, 2025 |
| Standard & Poor's | A+ | 5th of 21 | Apr 30, 2024 |
| Moody's | A2 | 6th of 21 | Nov 10, 2023 |

### NAIC Complaint Index

According to NAIC data, Nationwide's commercial property and liability lines have complaint indices below the national average [(NAIC, "Consumer Complaint Index", 2024)](https://naic.org/consumercomplaintsearch.htm). Over the last few years, Nationwide's NAIC complaint index has decreased, finally dropping just below the baseline. This suggests customers are satisfied with the company's home insurance product.

### Better Business Bureau

Nationwide maintains BBB accreditation with an A+ rating [(Better Business Bureau, "Nationwide Business Profile", 2026)](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388).

### Customer Reviews Summary

| Source | Rating & Volume | Key Takeaway |
|--------|----------------|--------------|
| [**BBB**](https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews) | 1.12 ★ (337 reviews) | Long-standing BBB accreditation, responsive to complaints |
| [**Trustpilot**](https://www.trustpilot.com/review/nationwide.com) | ~2.8 ★ (186 reviews) | Mixed feedback, concerns about billing and rate increases |
| [**Yelp**](https://www.yelp.com/brands/nationwide-insurance) | 2.9 ★ (848 reviews) | Mixed reviews with service quality variation by location |
| [**U.S. News**](https://www.usnews.com/insurance/auto/nationwide-car-insurance-review) | No. 5 National Carrier | 74% recommend, 83% likely to renew |

Trustpilot shows mixed customer experiences with some reporting significant premium increases (up to 100% over seven years). Common complaints include claims handling delays and customer service frustrations. Some customers report confusion over underwriter changes and policy administration issues [(Trustpilot, "Nationwide Reviews", 2026)](https://www.trustpilot.com/review/nationwide.com).

### Real Customer Reviews

<div class="grid customer-review">
  <div class="column">
    <p>5 ★</p>
    <p><b>Corrine S., 2021</b></p>
    <p><a href="https://maps.app.goo.gl/Q9pGtpkM9iUCLdiG6"><span class="text-muted">via Google Maps Reviews</span></a></p>   
  </div>
  <div class="column">
    <p>"This insurance company has been professional and helpful in all their dealings with me. Insurance is not a very fun subject to begin with. I know a lot of us have disagreements with even being required to have insurance. Nationwide has made insurance good again, as far as I can say."</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>1 ★</p>
    <p><b>Jennifer W., 2025</b></p>
    <p><a href="https://www.bbb.org/us/oh/columbus/profile/insurance-companies/nationwide-0302-2388/customer-reviews"><span class="text-muted">via Better Business Bureau</span></a></p>   
  </div>
  <div class="column">
    <p>"After 28 years with them, I received a letter stating they are going to charge me for $425k insurance on my home, that is only valued at $270k. They lost me as a customer forever."</p>
  </div>
</div>

<div class="grid customer-review">
  <div class="column">
    <p>2 ★</p>
    <p><b>Debbie Uecker-Keough, 2025</b></p>
    <p><a href="https://www.trustpilot.com/review/nationwide.com"><span class="text-muted">via Trustpilot</span></a></p>
  </div>
  <div class="column">
    <p>"It feels like Nationwide has deliberately made it impossible to speak with someone who can actually help resolve a critical billing error. This level of incompetence in both billing accuracy and customer support is unacceptable for an insurance provider."</p>
  </div>
</div>

### Regulatory and Legal Concerns

In 2024, a Spokane County judge and jury levied more than $103 million in judgments against Nationwide for claims mishandling. The jury rendered a $27 million verdict plus $47 million in punitive damages. The court found Nationwide violated Washington's Insurance Fair Conduct Act (IFCA) and Consumer Protection Act. The company cannot use these judgments to justify raising insurance rates for Washington policyholders [(Luvera Law Firm, "Holding Nationwide accountable", 2024)](https://www.luveralawfirm.com/case/holding-nationwide-accountable-for-egregious-bad-faith/).

## <a id="support"></a>Customer Support and Claims

### Filing a Claim

The company claims filing an insurance claim online with Nationwide takes 10 to 15 minutes [(Nationwide, "Claims Process", 2026)](https://www.nationwide.com/insurance-claims/). You can file claims in several ways:

- **Online** - File through nationwide.com or the mobile app
- **Phone** - Call 1-800-421-3535 for auto claims
- **Phone** - Call 1-800-848-6331 for property claims
- **24/7** - Auto claims line available anytime at 1-800-421-3535

### Claims Process

Nationwide states it is here to help throughout the claims process [(Ibid., "Claims Process", 2026)](https://www.nationwide.com). A Nationwide claims professional will review your report and start the process. You can view your claim online or call to speak with a claims professional. The company provides direct deposit for claim payments and offers an On Your Side Auto Repair Network for vehicle repairs [(Ibid., "Insurance Claims FAQ", 2026)](https://www.nationwide.com/personal/insurance/claims/faq/).

The company's stated goal is to get your life back on track with as little stress as possible [(Ibid., "Claims Process", 2026)](https://www.nationwide.com). You can check your claim's status and get updates using Claims Tracker, which supposedly keeps you informed throughout the process.

### Customer Service Hours

**Insurance Support:**
- Sales: 9 a.m. – 8 p.m. ET weekdays (closed Saturdays as of July 1, 2023)
- Service: Call 1-877-669-6877 for insurance help

**Claims:**
- Auto claims: 24/7 at 1-800-421-3535
- Property claims: 1-800-848-6331

**Digital Support:**
- Online account management 24/7
- Mobile app for iOS and Android
- Email support available

### Roadside Assistance

For roadside assistance, call 1-866-854-4140. If your policy includes towing and labor coverage, contact the service provider of your choice. Nationwide will reimburse you up to your policy limit.

## <a id="faq"></a>Frequently Asked Questions

### Is Nationwide Insurance a legitimate company?

Yes. Nationwide Mutual Insurance Company is a Fortune 100 company ranked No. 72 in 2025 [(Fortune, "Fortune 500", 2025)](https://fortune.com/ranking/fortune500/). The company has nearly 100 years of history in the insurance industry, maintains strong financial ratings, and is licensed to operate in 43+ states.

### What states does Nationwide operate in?

Nationwide homeowners insurance is not available in Alaska, Hawaii, Louisiana, Massachusetts, New Jersey and Oklahoma [(U.S. News, "Nationwide Homeowners Insurance Review", 2026)](https://www.usnews.com/insurance/homeowners-insurance/nationwide). The company operates in 43 states and Washington, DC. For auto insurance, Nationwide operates in 46 states, excluding Alaska, Hawaii, Louisiana and Oklahoma.

### Does Nationwide insure mobile homes?

No. Nationwide does not provide coverage for mobile or manufactured homes. You'll need to find another insurer for this type of property.

### How much does Nationwide insurance cost?

Costs vary based on coverage type, location, and individual factors:
- **Homeowners:** U.S. News reports an average monthly base rate of $203 (approximately $2,440 per year)
- **Auto:** Average of $2,162 per year, below the national average of $2,524
- **Renters:** Average of $21 per month for $30K property/$100K liability [(Nationwide, "Renters Insurance", 2026)](https://www.nationwide.com/personal/insurance/renters/)
- **Umbrella:** Average of $300 to $700 annually

### What discounts does Nationwide offer?

Nationwide provides numerous discounts including:
- Multi-policy bundling (the company advertises up to 15% savings)
- Claims-free discount
- New home purchase discount
- Home renovation discount
- Smart home devices
- Usage-based insurance programs (SmartRide, SmartMiles)
- Good student discount
- Defensive driving discount
- Vehicle safety features

### How do I cancel my Nationwide policy?

You'll need to contact your agent to cancel your insurance. Nationwide is unable to cancel via email or online. Your agent's information can be found on your policy declaration page, ID card and billing statement.

### Does Nationwide offer umbrella insurance?

Yes. Nationwide offers personal umbrella insurance that provides an extra layer of liability protection for your wages, house, investments, cars and boats. Coverage typically starts at $1 million with options to purchase additional protection.

### How do I file a claim with Nationwide?

You can file claims online at nationwide.com, through the mobile app, or by phone. For auto claims, call 1-800-421-3535. For property claims, call 1-800-848-6331. The company states the claims process typically takes 10-15 minutes [(Nationwide, "Claims Process", 2026)](https://www.nationwide.com/personal/insurance/claims/).

### Is Nationwide good insurance?

Nationwide ranks No. 5 among top auto insurers according to U.S. News, with 74% of customers likely to recommend the insurer and 83% likely to renew [(U.S. News, "Nationwide Car Insurance Review", 2026)](https://www.usnews.com/insurance/auto/nationwide-car-insurance-review). The company maintains strong financial ratings (A from AM Best, A+ from S&P) and ranks as the top insurer for usage-based insurance according to J.D. Power. However, customer reviews are mixed, with some complaints about premium increases and claims handling. The company also faces regulatory concerns, including a significant bad faith verdict in Washington State in 2024.

### What is Nationwide's financial rating?

Nationwide holds an A (Excellent) rating from AM Best for its Property & Casualty affiliates, affirmed November 7, 2025 [(Yahoo Finance, "AM Best Affirms Credit Ratings", 2025)](https://finance.yahoo.com/news/am-best-affirms-credit-ratings-145400404.html). The company also maintains an A+ rating from S&P and an A2 rating from Moody's [(Nationwide, "Company Ratings", 2024)](https://www.nationwide.com/personal/about-us/company-ratings/), all indicating strong financial stability and claims-paying ability.