TLDR
  • Estimated $1,838/year (~$153/month) for a standard $300k policy — below the national average
  • NAIC complaint ratio 0.76 (near industry average); B+ financial strength
  • Availability: Nationwide
  • Vanishing deductible rewards claim-free years
  • Base pricing is around the national average
NAIC complaint ratio  0.76  — near industry average

About Nationwide homeowners insurance

Nationwide is a large mutual offering homeowners coverage nationwide through agents and online. Its signature features are SmartHome device discounts and a vanishing-deductible option that reduces your deductible over claim-free years. Pricing is roughly average, with a better-than-average complaint ratio.

Who Nationwide homeowners insurance is right for

Homeowners who want recognizable national coverage with features like vanishing deductible and smart-home credits, and who don't mind average base pricing.

How much does Nationwide homeowners insurance cost?

Nationwide homeowners insurance averages roughly $1,838/year (about $153/month) for a standard policy with around $300,000 in dwelling coverage and a $1,000 deductible — below the national average of about $1,915. Homeowners pricing varies enormously by state, dwelling amount, roof age, and claims history, so treat this as a directional benchmark and get a quote for your specific home.

Availability: Nationwide.

Nationwide homeowners insurance pros and cons

Pros

  • Vanishing deductible rewards claim-free years
  • SmartHome device discounts
  • Nationwide availability and solid complaint ratio

Cons

  • Base pricing is around the national average
  • Best savings require bundling and add-ons
  • Coverage details vary by region

Bottom line: Nationwide is a reasonable mainstream choice, especially for its vanishing deductible. Still quote the cheaper names above before committing.

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Frequently asked questions

How much is Nationwide homeowners insurance?
Roughly $1,838/year (~$153/month) for a standard $300k-dwelling policy — below the national average. Your exact price depends on your home, deductible, and claims history.

Is Nationwide good for homeowners insurance?
It carries an NAIC complaint ratio of 0.76 (near industry average) and B+ financial strength. Nationwide is a reasonable mainstream choice, especially for its vanishing deductible. Still quote the cheaper names above before committing.

Not sure how much coverage you need?
Use the home coverage calculator to size your dwelling, liability, and add-ons before you compare Nationwide against other carriers.

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