Auto Insurance Business Insurance Homeowners Insurance Insurance Companies Life Insurance

Nationwide offers all that you’d expect from an auto insurer, plus a few additional options and perks.

  • Gap insurance pays the difference between the cash value of your car when it was totaled or stolen and the amount of money left on your loan or lease. This insurance may be required by your lender, and you must purchase comprehensive and collision coverage to get it.
  • SmartRide uses an app or device that plugs into your car’s diagnostic port to track your driving behavior. It can track mileage, fast acceleration, hard braking and time of day you drive. Nationwide uses the data to determine your discount, up to 40%, for safe driving. Drivers can get an initial discount just for signing up.
  • Vanishing deductible: This optional program allows you to chip away at your deductible by driving safely. For every year you don’t have an accident, your deductible goes down by $100, up to a $500 reduction.
  • On Your Side Review: Every year and after a major life event, you can take advantage of a free assessment by one of Nationwide’s agents to help you determine whether your insurance policies are right for you and go over any available discounts.
  • Accident forgiveness helps you avoid a rate increase after you or someone on your policy causes a crash. It’s not available in every state, and Nationwide will only forgive one accident per policy.

Nationwide’s auto insurance discounts include:

  • Multi-policy discount.
  • Anti-theft discount.
  • SmartRide insurance program discount.
  • Accident-free discount.
  • Good student discount.
  • Safe driver discount.
  • Discount if you sign up for automatic payments.
  • Affinity member discount for being part of groups like alumni associations or professional organizations.

Nationwide homeowners insurance

Nationwide offers homeowners with typical coverage options, plus perks like ordinance or law insurance, which covers the cost of rebuilding your house to current building codes during a claim. The company also offers a few extras you can opt into, including:

  • Brand New Belongings: If your belongings are damaged, destroyed or stolen, Nationwide will reimburse you for brand-new items rather than for the value of your old things.
  • Better Roof Replacement: If you need to replace your roof and the damage is covered by your policy, Nationwide will reimburse you to have it rebuilt with stronger and safer materials than your old roof.
  • Water backup of sewer coverage pays if your house is damaged by water backup through sewers or drains.
  • Valuables Plus offers additional coverage for valuables such as jewelry, antiques and art if they are stolen or damaged.

Nationwide’s home insurance discounts:

  • Multi-policy discount.
  • Receive a discount if you purchased a home within the last 12 months.
  • Protective device discount for having burglar or smoke alarms.
  • Earn a discount if you stay claim-free.
  • Discount for home renovations, including electrical or plumbing upgrades.
  • Prior insurance discount,
  • Gated community discount.
  • Discount based on your roof’s age and surface type.

Nationwide complaints and customer satisfaction

Nationwide had fewer than the expected number of complaints to state regulators for home and life insurance relative to its size, according to according to three years’ worth of data from the National Association of Insurance Commissioners. For auto insurance, Nationwide had about the expected number of complaints for its size.

Nationwide ranks about average or lower for auto and home insurance customer satisfaction, but ranks better than most for life insurance products according to J.D. Power studies.

2019 J.D. Power StudyNationwide ranks…
Auto Insurance ShoppingAmong the rest
Auto Insurance Claims SatisfactionAbout average
Home InsuranceAmong the rest
Property Insurance ClaimsAbout average
Life InsuranceBetter than most

More about Nationwide

Website: Nationwide’s website has a portal where you can pay bills, manage policies and view documents. The site also has tools for planning your retirement.

Mobile app: You can manage your policy, start a claim, call for roadside assistance and get auto insurance ID cards on the Nationwide mobile app, available for iOS and Android.

Nationwide offers term, whole, universal and variable life insurance policies.

Other types of insurance from Nationwide include:
Condo insuranceIdentity theft insurance
Renters insuranceBoat and personal watercraft insurance
Motorcycle insuranceRV insurance
Dental insuranceBusiness insurance
ATV insuranceUmbrella insurance
Travel insuranceSnowmobile insurance
Scooter and moped insurancePet insurance

Recap: Nationwide Pros and Cons

Fewer than the expected number of complaints to state regulators for home and life insuranceAverage or lower customer satisfaction for auto and home insurance
Customer satisfaction for life insurance is better than most other comparable companies
Wide variety of products for customers who want to buy multiple products from one company

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