Nationwide Renters Insurance Overview

Based in Columbus, Ohio, Nationwide is a Fortune 100 company that offers a wide-array of financial services and insurance plans. Launched in 1925 by Murray D. Lincoln, the business started out small by offering auto insurance to local farmers. Today, Nationwide operates throughout the country and has over $197 billion in assets.

Nationwide offers renters insurance in most, but not all, states. Coverage is available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Maine, Maryland, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington D.C., West Virginia, Wisconsin and Wyoming.

What Are Nationwide Renters Insurance’s Ratings?

Financial institutions rate Nationwide high. The company has been awarded an A+ from A.M. Best, an A1 from Moody’s, an A+ from Standard & Poor’s and an A+ from the BBB.

What Coverage Does Nationwide Renters Insurance Offer?

Depending on the renters insurance policy you choose, Nationwide may provide the following types of coverage:

- Personal property with specialized plans for brand new belongings and high-value items.

- Personal liability for bodily injury and property damage to others.

- Medical payments for others’ injuries if an accident occurs on your property.

- Ordinance insurance for helping cover rebuilding costs required by building codes.

- Credit card coverage for unauthorized transactions as well as forged checks and counterfeited money.

- Loss of use compensation to help pay additional living expenses when you’re unable to live in your home.

- Disasters including earthquakes, volcanic eruptions and hurricanes.

How Does Nationwide Compare with Other Renters Insurance Companies?

Nationwide doesn’t offer renters insurance plans in every state, but most of the U.S. can take advantage of the company’s services, which enables you to customize a policy in order to get the exact amount of coverage that you need. You can get a quote online or visit one of the many local agent locations that are spread throughout the country. You may even be eligible for a discount if you combine renters and car insurance or if you have certain protective devices in place such as smoke detectors and burglar alarms. Hence, if you are looking for customized coverage and like the idea of talking with an agent, Nationwide may be a great pick.

  • AM Best Financial Strength Rating
  • Available 24/7 by Phone
  • Property Damage
  • Guest Medical Protection
  • Liability
  • Personal Property Protection
  • Reimbursed Living Expenses
  • Identity Theft Insurance
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0 votes

Their representatives are really helpful and their coverage is a little better than who I was with before, but the rates are a bit higher. I guess it's ok though because my last carrier was horrible.

0 votes

To be honest, I only signed up for Nationwide because I'm a huge Manning fan. But now that I'm a customer of theirs I am really happy with all the coverage they provide. I've even switched over my other policies and now I'm saving money.

0 votes

I recently moved into my own place from my parent's home and got renters insurance through nationwide as a precaution. Unfortunately, my apartment was broken into soon after I moved in. Fortunately, Nationwide replaces with brand new belongings those items lost. Whew.

0 votes

I never thought I would need renters insurance until my apartment building had a major water line break recently and all of my stuff was ruined. I am glad I had a policy with Nationwide - they made it quick and easy to get my life back to normal.

0 votes

No doubt about it! Nationwide is definitely on your side. This insurance company has excellent customer service and makes sure to inform me when there are changes that affect me. I am so glad I have them as my insurance carrier.

0 votes

My condo experienced damage form an electrical storm. My experience filing my claim and getting reimbursed from Nationwide was so-so. They were fairly responsive when I first called, but then their followup after that and getting me my money took too long.

0 votes

I'm not exactly sure if this company lives up to its name. I thought I was covered well for my belongings, but I found there were some exclusions when I went to file my claim and that really upset me. Not that there were exclusions, which I understand, but that no one told me ahead of time.

0 votes

Besides having an excellent insurance, this company has so much educational material on the website that if you read it, you'll be an expert about insurance overall. I am glad that I have them as my carrier and am reassured that I will be well taken care of in the event of having to file a claim. My parents have been customers for many years and have always had a good experience.

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