Nationwide Home Insurance Review 2026

Nationwide's Better Roof Replacement endorsement pays to replace your roof to current building code standards, even when code-required upgrades would cost more than restoring the existing roof like-for-like. Standard homeowners policies typically restore a damaged roof to its prior condition; if local building codes require upgrading materials or structure during repair, the gap is often covered by a separate 'code upgrade' rider — which Nationwide's Better Roof Replacement bundles in. This is most valuable for homes with aging roofs in markets where building codes are actively enforced for permitted repairs. Source: Nationwide policy disclosures at nationwide.com.

Brand New Belongings is Nationwide's optional endorsement for replacement-cost coverage on personal property. Without this endorsement, personal property losses are paid at actual cash value (depreciated value) — a 7-year-old television worth $200 at depreciated value today might cost $600 to replace with a comparable new model. Brand New Belongings closes that gap by paying the replacement cost. Standard policies without this endorsement typically pay actual cash value on personal property. Source: Nationwide policy disclosures at nationwide.com.

Nationwide's homeowners insurance satisfaction scores in J.D. Power's annual U.S. Home Insurance Study have placed the carrier near or slightly below the industry average in recent study cycles. J.D. Power measures satisfaction across claims handling, policy communication, billing, and price. For homeowners prioritizing J.D. Power claims satisfaction above all else, USAA (military-eligible) and State Farm consistently score above Nationwide. Source: J.D. Power U.S. Home Insurance Study — verify current rankings at jdpower.com.

No. ClearValue Lending is not a licensed insurance broker or agent. This review presents publicly available editorial information about Nationwide homeowners insurance. Coverage terms, pricing, and availability vary by state and individual circumstances — obtain official quotes and policy details directly from Nationwide at nationwide.com.

Nationwide Mutual Insurance Company holds an A+ (Superior) financial strength rating from A.M. Best — the second-highest tier. A+ indicates strong financial capacity to meet ongoing insurance obligations, including large-loss events. Verify the current Nationwide rating at ambest.com before purchasing.

Nationwide's homeowners insurance NAIC complaint ratio is available at content.naic.org. The ratio has historically run near the industry average for homeowners lines — a ratio below 1.0 means fewer complaints per market share than average; above 1.0 means more. Verify current state-specific data for your state at content.naic.org/cis_consumer_information.htm before purchasing. Source: NAIC Consumer Complaint Database.