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National Home Insurance Review for November 2021 • Benzinga Insurance


Nationwide offers strong home insurance options. In addition to offering instant online quotes, Nationwide also maintains an extensive network of local agents who can provide more individualized advice. While the company’s multiple phone lines can make customer service more difficult to access, Nationwide’s multitude of benefits, policy options, and inclusions make it a valuable candidate for home insurance.

One of the most impressive aspects of Nationwide home insurance is the number of coverage options available to you, both as optional extensions and as standard inclusions. The following basic coverages are included as standard with all Nationwide home insurance policies.

  • Housing coverage: This coverage helps pay for repair and damage costs after your home’s physical structure or built-in appliances are damaged after a covered repair.
  • Coverage of other structures: This protection helps cover the cost of repairs after damage to another structure of your property not attached to your home, such as a tool shed or a fence.
  • Liability coverage: Liability insurance helps you pay for legal fees and judgments ordered after someone sues you for being injured on your property or after their personal property has been damaged on your premises.
  • Content Coverage: Content coverage compensates you if your personal property is damaged, destroyed or stolen due to a covered risk.
  • Loss of use coverage: Loss of Use Coverage helps you cover the costs of an alternate lifestyle in the event your home is deemed uninhabitable as a result of damage caused by a covered peril.
  • Ordinance or legal insurance: This protection helps you pay the cost of rebuilding your home according to local building codes following a covered loss.
  • Credit card coverage: This additional coverage protects you against unauthorized charges on your credit card up to the limits of your policy.

Nationwide also allows you to personalize your policy with additional coverages. Some of Nationwide’s most popular optional coverages are as follows.

  • Identity theft: This coverage extends the protection of your credit card to include additional insurance against a variety of liabilities related to identity theft and cybercrime.
  • Valuables plus: Extends the limits of your coverage to provide more protection for high value items, such as antiques and jewelry.
  • Replacement cost plus: May pay up to 20% over your property coverage limit in the event your home needs to be rebuilt after damage caused by a covered risk.

Additional coverages for damage caused by backflow, earthquakes and floods are also available.

Nationwide maintains a long list of customer service contact methods for its many types of insurance. If you would like to discuss home insurance or your policy details, you can use the following contact methods.

  • By telephone: To contact Nationwide by phone for an existing policy, call 877-669-6877. Support from this line is available between 8:00 a.m. and 11:00 p.m. EST every day of the week, but you may need to schedule an upcoming phone call to get your question fully answered.

If you do not currently have a Nationwide home insurance policy, you can call 877-669-6877 to start purchasing a policy with a seller. Nationwide’s sales hotline is available 9 a.m. to 10 p.m. EST weekdays and 11 a.m. to 3 p.m. on Saturdays. If you need to file a complaint, you can do so by calling 800-421-3535 at any time.

According to data from the Insurance Information Institute, the average American homeowner will pay about $ 1,249 per year for their home insurance. When using Nationwide’s Nationwide Express quote system, the company quoted an annual rate of $ 1,721.88 for coverage for a 3 bedroom house.

Image Text: Nationwide’s Nationwide Express tool can help you see a quote quickly.

It’s important to keep in mind that home insurance prices can vary widely and depend on a range of factors, including the age and value of your home, your location, and your claim history. While Nationwide’s prices appeared to be above average on a test quote, your quote can be significantly lower or higher depending on your unique needs. Fortunately, Nationwide’s calculator makes it easy to get a quick quote and compare your options.

Nationwide’s mobile app offers a number of policy management options, including the following.

  • Claim deposit: You can file a claim directly from your Nationwide app, which can be beneficial for homeowners who need to file a claim on the go or who have multiple Nationwide policies.
  • Complaints follow-up: In addition to filing a complaint, you can also view the status of any complaints you have made previously directly through the mobile app.
  • Manage payments: The Nationwide app allows you to change your payment methods and pay a premium without logging into your desktop.

Nationwide’s mobile application is primarily geared towards its auto insurance customers. However, it can provide you with a one-stop-shop for all your insurance information protected by face and fingerprint scan. The Nationwide mobile app is available as a free download for the iOS and Android platforms.

Buying your home insurance from Nationwide comes with a range of benefits, including the following great features.

  • Availability across the United States: Unlike some local insurance companies, Nationwide’s massive scale allows it to offer comprehensive policy choices in almost every state.
  • Mobile policy management: Nationwide offers a free mobile app that lets you view your claims status and access your insurance details on the go. This can be particularly beneficial if you have multiple policies issued through Nationwide.
  • A wide range of reduction options: Nationwide offers over 8 unique discounts that you can use to lower the price you will pay for coverage. You can save money if you have a more durable roof, if you haven’t suffered any claims, and more.

With Nationwide, it’s exceptionally easy to get a quote for your home insurance online. Using the company’s Nationwide Express tool, you can get a quote in as little as 2 minutes. Just enter some information about yourself and your home and you will receive an instant policy quote on your home insurance. Nationwide’s system will even detect which discounts you’re eligible for and apply them to your quote on your behalf, allowing you to take advantage of all your savings options without going through the discount pages and claiming them yourself.

National home insurance vs. competitors

As one of the largest insurance providers in the country, Nationwide home insurance policies offer you a number of unique advantages over competing home insurance providers.

  • A multitude of grouping opportunities: From auto insurance to life insurance and even pet insurance, Nationwide can insure almost anything you need. You can save on many types of insurance policies when you bundle your home insurance with another Nationwide policy.
  • Instant quotes: Unlike some insurers that require you to contact a representative or submit your social security information before you can view your quote, you can access Nationwide pricing information in just a few minutes. Nationwide will calculate your monthly and annual rate using the information you submit about your home, and the pricing system will even automatically apply discounts to your policy estimate.
  • Possibility to connect with a direct representative: While online tools can be handy, some customers prefer a more personal touch. With thousands of agents across the country, Nationwide makes it easy to connect with an in-person insurance professional, no matter where you live.
National Home Insurance Review for November 2021 • Benzinga Insurance

Image Text: Nationwide’s Agent Finder can help you connect with one of the company’s thousands of local insurance offices. The map above shows you the number of Nationwide offices in Philadelphia only.

Start with national home insurance

While home insurance is not legally required to own a home the same way auto insurance is required to drive, you should never be without home insurance coverage. The key to getting affordable home insurance (or any type of insurance coverage) is to collect multiple quotes from competing providers. Start your search for coverage early by getting a quote from Nationwide – you may have no idea how much you could save on home insurance.

Frequently Asked Questions

How much should home insurance cost?

1

How much should home insurance cost?

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Sarah horvath

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The average homeowner pays about $ 1,249 each year for home insurance coverage. However, the price you pay will depend heavily on the value of your home and your location.

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Benzinga

When should I purchase home insurance?

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When should I take out home insurance?

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Sarah horvath

1

You should start buying home insurance soon after signing a home purchase contract. This ensures that you are already covered at closing, an important feature because most mortgage companies require that you have some level of home insurance coverage as a condition of your loan.

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Benzinga


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