Nationwide's prudent management and nine decades of business have resulted in exceptionally strong ratings from Standard & Poor's, AM Best, and Moody's. The company's large geographical coverage area also adds an element of financial security.

Nationwide is accredited by the BBB, with an A+ rating. It has a very low NAICS ratio of 0.38, suggesting a much smaller than average number of consumer complaints than for a comparably sized company. As a legacy insurer, Nationwide gives its customers the options of interacting through traditional agents as well as via the internet or over the phone. The company's website provides basic information and help options.

The company offers the usual suite of coverages in its homeowners policies - structures, personal property, and liability. However, Nationwide also offers a number of optional coverages that other carriers do not provide, such as replacement-value coverage, upgraded roof insurance, rare and high-value items, insurance against sewer back-ups, earthquakes, and floods, umbrella liability insurance, and medical payments coverage.

Nationwide's pricing is on par with that of other large, well established insurers. It offers discounts for existing customers of Nationwide policies, as well as people who have not had homeowners claims before, clients over the age of 60, and for people whose houses have certain protective devices such as alarms and smoke detectors.