Nationwide Home and Auto Insurance: What You Need to Know

What is Nationwide Home and Auto Insurance?

Nationwide is a major U.S. insurer offering bundled coverage for both homes and vehicles. Bundling can reduce premiums, simplify billing, and provide a single point of contact for claims. The company's policies cover a wide range of risks, from theft and fire to collision and liability.

Coverage Options for Homes

Standard Homeowners Policy

Provides protection for the dwelling, personal property, liability, and additional living expenses if the home becomes uninhabitable.

Optional Endorsements

Customers can add endorsements for valuable items, flood, earthquake, or identity theft protection.

Coverage Options for Vehicles

Liability Coverage

Mandatory in most states, covering bodily injury and property damage caused by the insured driver.

Comprehensive & Collision

Comprehensive covers non‑collision events such as theft or weather damage, while collision covers damage from a collision with another vehicle or object.

Optional Coverages

Roadside assistance, rental reimbursement, and uninsured/underinsured motorist protection are available.

Factors That Influence Your Premium

• Location and local risk factors (crime rates, weather)
• Credit score and claim history
• Coverage limits and deductibles
• Bundling discounts and loyalty programs

How Nationwide's Bundling Works

Bundling home and auto insurance can yield a 10‑20% discount, depending on the insurer's policy. Nationwide offers a "Bundle & Save" program that applies a fixed percentage off the combined premium.

Comparing Nationwide to Other Insurers

When evaluating Nationwide, consider:

• Financial strength ratings from A.M. Best or Standard & Poor's
• Customer satisfaction scores (e.g., J.D. Power)
• Claim processing times and online tools

How to Get a Quote and Make a Purchase

Nationwide's online quote tool allows you to enter basic information, choose coverage levels, and receive an instant estimate. You can also work with an agent or use the company's mobile app for policy management.

FAQs About Nationwide Home and Auto Insurance

• Do I need to bundle? Not required, but bundling often reduces overall costs.
• What if I move? Nationwide offers a relocation policy that can adjust coverage automatically.
• How does Nationwide handle claims? Claims can be filed online, by phone, or via the mobile app. Average processing time is 7–10 business days.