Welcome to Nationwide
We’ve grown from a small mutual auto insurance company, owned by policyholders who spent their days farming in Ohio, to one of the largest insurance and financial services companies in the world.
Today we still answer to our members, but we protect more than just cars and Ohio farmers. We’re a Fortune 100 company that offers a full range of insurance and financial services across the country. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. As well as annuities, mutual funds, retirement plans and specialty health services.
We’ve served generations. Protecting what’s most important. Let us do the same for you.
For more information about Nationwide Insurance Products and Solutions please call us at 661-977-3332.
Personal Insurance Products
Understand your state’s auto insurance requirements.
Auto insurance isn’t only great protection for your vehicle, it’s also the law. All states require some degree of insurance for your vehicle to protect you and other motorists. Coverage requirements will vary based on your financial responsibility for your car and your state’s requirements. Some states even require you to have liability insurance before you even get a license.
What we cover
Collision, comprehensive, liability, medical payments and more.
Despite the popularity of the term, there is no policy called “full coverage auto insurance.” When lenders use this term, they typically are referring to building a dependable auto insurance package that provides coverage for a variety of different circumstances.
Nationwide car insurance can cover you for accidents involving other vehicles, vandalism, weather, animals, bodily injuries and more. Our policies are customizable – you can choose the auto insurance policies that suit your lifestyle. You can have peace of mind knowing Nationwide will provide you and your car with great protection on and off the road.
Avoid the impact of a rate increase after an accident.
$ Auto Insurance Discounts
Dependable car insurance shouldn’t have to break the bank. That’s why Nationwide offers discounts on car insurance and gives members a variety of ways to save. Learn more about our auto insurance discounts and see if you qualify for an even more affordable rate. Get an online quote and start saving today with Nationwide.
Why you need condo insurance
To protect what you own
Your condo association’s insurance policy isn’t enough. It most likely ONLY covers the building you live in. Not the inside of your home or your personal property.
To protect yourself
If an accident happens in your condo, guess who might be held responsible. Yes. You. Condo insurance offers liability coverage to protect you.
To insure you have somewhere to live
If your place gets damaged and you can’t live there, a condo policy can help pay for temporary housing.
Be prepared for whatever comes your way. Condo insurance offers protection against fire and smoke damage, weather damage, theft and vandalism. It also covers additions you make to the inside of your residence. Find an affordable plan that can help cover you for liability, as well as pay for damages to your condo or belongings down the road. When an unfortunate event happens, let us help you get back on your feet.
What is home or property insurance?
Most people simply can’t afford to rebuild their home and replace everything in it if there’s a disaster. A home insurance policy can protect your property, some of your personal possessions and you.
Home is a place to relax. So, when you get home and let your guard down, we step up. Providing protection when and where you need it most. We’re proud to offer dependable home insurance policies. Get a homeowners quote online to start protecting your home, belongings and peace of mind.
What we cover
Homeowners insurance can protect your home against theft, fire, lawsuits, weather damage and other covered losses.
Caring for your home and loved ones is crucial. That’s why we offer homeowners insurance you can depend on. From dwelling coverage to personal property protection, we provide homeowners insurance policies to suit your needs and budget. Homeowners’ policies cover:
- Dwelling – Coverage that protects the structure of the home (roof, walls, wall-to-wall carpeting, etc.)
- Other structures – Coverage for sheds, detached garages and other structures not connected to the main dwelling itself
- Personal property – Coverage for personal items (clothing, furniture, appliances, computers, etc.) on and off the premises
- Loss of use – Coverage for when an insured has to move out of the home while repairs are made as a result of damage caused by a covered loss
Home insurance can also be used as a means of financial protection. If someone sues after being injured on your property, proper home insurance limits can ensure you won’t be paying their legal fees from your pocket.
We also offer insurance policies for owners of second homes and vacation homes. This way, you, your family and your guests are protected wherever you go.
Homeowners insurance and financial standing
If you own a home and have a mortgage, your lienholder (the bank who is invested in your loan) will likely require you to carry insurance on your home. We often partner with banks to allow members to combine their insurance payments and monthly mortgage bill. This is called escrow. Your agent will be happy to review the details with you.
Our motorcycle insurance will keep you protected and give you year-round peace of mind, whether your bike is on the road or in storage during the winter months. Request a free motorcycle insurance quote and get coverage tailored to your unique riding needs and budget.
When it comes to your motorcycle and your passengers, you need the best motorcycle insurance to stay protected on the road. Motorcycle insurance from Nationwide can cover collision damage costs, medical payments, theft, covered natural disaster damages and more. Learn more below about what each motorcycle coverage option covers below, and get a quote online in minutes.
Bodily injury liability
If you cause an accident and someone is injured, this motorcycle insurance coverage can help pay their medical bills and loss of income.
Property damage liability
This coverage helps pay for damages to another person’s vehicle or property, if you cause an accident.
Collision coverage may be required if your vehicle is financed or leased.
Also known as “other than collision,” this motorcycle coverage can help pay for damage to your vehicle from vandalism, theft, weather events and falling objects.
Uninsured or underinsured motorcycle coverage
Uninsured motorist insurance may help protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your motorcycle. This coverage is often paired with underinsured motorist coverage, which is similar, but for situations where the other driver’s insurance will pay for some of the damages. Such coverage may also protect you from covered hit and run accidents. Each state has its own uninsured motorist laws and such coverage is subject to policy coverage provisions and limits.
Also known as Personal Injury Protection (PIP), med pay can help cover medical costs related to an accident, regardless of who’s at fault.
Whether they have two legs or four, every family member deserves quality health care. That’s why our pet health insurance plans give you the freedom to use any vet, anywhere, including specialists and emergency providers.
Nationwide provides dog insurance and cat insurance that lasts. Your dog or cat won’t be dropped from coverage, regardless of age or number of claims filed. Our policies also cover birds and exotic pets. And if you’re a current Nationwide member, you can save 5% on a pet health insurance policy.
High quality pet health insurance for your dog or cat, with medical and wellness protection in one plan and 90% coverage on vet bills.
A budget-friendly pet insurance plan with dependable coverage for common medical costs.
- Accidents and illnesses
- Surgeries and hospitalization
- Chronic conditions
- Hereditary conditions (no waiting period)
- Wellness exams and tests
- Flea/heartworm prevention
- Accidents and illnesses
- Surgeries and hospitalization
- Chronic conditions
- Some hereditary conditions (after a 1-year waiting period)
Set benefit amounts renew in full each year.
Plans start at $34/month.
What is renters insurance?
If you live in a rented apartment, condominium or home, you need to protect yourself, your space and your stuff. Some managed communities even require that you have a certain amount of renters coverage as part of your lease agreement. Typically, your landlord’s policy won’t help if your belongings are stolen or damaged. For that you need renters insurance.
Let us customize a policy that protects you from these risks and suits your lifestyle and budget.
Let us customize a policy that protects you from these risks and suits your lifestyle and budget.Protect your property
Your landlord’s insurance policy isn’t enough. It most likely ONLY covers the building you live in. Not your personal belongings.Protect yourself and others
If someone gets hurt in your apartment, guess who might be held responsible. Yes. You. Apartment insurance offers liability coverage to protect you.Ensure you have somewhere to live
If the home you reside in gets damaged and you can’t live there, you could have to pay for temporary housing.How much does renters insurance cost?
- Covering your belongings
- Personal liability
- Medical and liability
- Loss of use
Whether you’re planning a family vacation or a weekend road trip, make sure your recreational vehicle is covered with the right insurance policy.
We offer RV coverage for motor vehicles or travel trailers equipped with some of the amenities of home.
What does RV insurance cover?
What RV insurance covers depends on the type of policy you select. RV insurance coverage options include liability, collision, comprehensive and more. At Nationwide, we provide a multitude of RV insurance coverages for motorhomes, 5th wheels and travel trailers so customers can get the coverage that’s right for their needs.
Bodily injury liability
If you cause an accident with your RV and someone is injured, this coverage can help pay their medical bills and loss of income. Most states require liability coverage.
Property damage liability
If you cause an accident, this coverage helps pay for damages to another person’s vehicle or property. Most states require liability coverage.
Regardless of who’s at fault, collision pays for damage to your RV or motorhome if you’re in an accident with another vehicle. Collision also covers RV or motorhome rollovers. If you finance or lease your vehicle, collision may be required.
Also known as “other than collision,” this coverage can help pay for non-collision damage to your RV. This includes damage from vandalism, theft, failing objects, fire, storms, floods and certain other natural disasters.
This RV coverage helps protect you against drivers who don’t have liability insurance or lack the money to pay for injuries and damages they cause to you, your passengers or your RV. This coverage may also protect you from covered hit-and-run accidents. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.
Protect yourself against underinsured drivers. Each state has its own uninsured motorist laws. Coverage is subject to policy coverage provisions and limits.
No matter who’s at fault, med pay can help cover medical bills for you and your passengers if your RV is involved in an accident.
What does umbrella insurance protect? A personal umbrella insurance policy offers an extra layer of liability protection for your wages, house, investments, cars and boats if you’re in a serious auto accident or there’s an accident on your property.
It’s important to have sufficient coverage to protect your current assets and future earnings if you’re involved in a serious accident or lawsuit. Otherwise, you could be liable for more than your current auto or homeowners coverage limits.
How personal umbrella insurance works
A personal umbrella policy extends the bodily injury and personal damage liability limits of your home or auto policies. Consider the following scenario:
Your home insurance provides $300,000 of liability coverage. A serious accident happens on your property, and you’re sued for $1.3 million resulting in a judgment against you.
Your insurance pays up to $300,000 for a covered accident, but you hold responsibility for paying the remaining $1 million.
If you had $1 million of coverage under an umbrella insurance policy, you’d be covered with nothing out of your pocket (other than your monthly premium). Instead, without the additional protection from a personal umbrella policy, you’re looking at the possibility of needing to liquidate your assets to pay the remaining $1 million in this example.
Small Business Products & Solutions
Business Owner Policy
A businessowners policy, also known as BOP insurance, combines various insurance coverage with additional protection into one convenient package. If you’re not sure what coverage is right for your business, or have not considered a BOP, learn how a BOP insurance policy from Nationwide can protect your business.
Do you need a businessowners policy (BOP)?
Nationwide BOP insurance may be right for your business if:
- Your business is located outside of your home
- You have fewer than 100 employees and less than $5 million in sales
- You have property or equipment you need to protect
- You want to protect investments you’ve made in your business
What does BOP cover?
Commercial Property- insure against physical damage to your property
General Liability- protect your business from lawsuits and injuries
Business Income- cover your business against an interruption in income if you have to shut down unexpectedly
Equipment Breakdown- protect your equipment against breakdowns
Nationwide Industry Specific Policies
Whether you own your freestanding building, lease an office or work at home, business property insurance protects your business’ physical assets.
Commercial property insurance can protect your business against everything from a minor hiccup to a major loss.
Commercial property insurance helps ensure the future of your business.
It helps protect:
Your outdoor sign
Your furniture and equipment
Your fence and landscaping
What you need to know about business property insurance
A complete business property insurance plan is one of the smartest investments you can make in your business. It protects the costly, physical assets of your company such as the building, its contents and any outdoor fixtures such as signs and fencing.
Savvy business owners know that a fire or severe windstorm can shut down a business for an extended period of time, often leading to a permanent closure. But with a comprehensive business property insurance plan, you’ve got support and business income coverage to help you recover quickly.
Understanding the basics
Commercial property insurance plans vary from policy to policy.
Basic property insurance usually covers losses caused by fire, lightning, wind and hail, or acts of vandalism. Additional coverage can be added for earthquakes and breakage of glass.
The essential items to insure in a business property insurance plan include your building, office equipment, inventory and outdoor items on the premises such as fencing, storage sheds, or outdoor signs.
Determining the value of your business property
Commercial property insurance plans pay for losses based on the replacement cost of the item or its actual cash value.
Replacement cost (RC) refers to the amount necessary to repair, replace or rebuild property on the same premises, with comparable materials and quality without deducting any amount for depreciation.
Actual cash value (ACV) is the cost to replace it with new property of similar style and quality, less depreciation.
Typically, the premiums for policies covering property insured on an ACV basis are lower because a lower limit is used due to the deduction for depreciation. This amount might not be enough if you elect to insure the property on a RC basis.
Your insurance agent can work with you to make sure you have your property adequately insured.
General liability insurance coverage is something most businesses simply must have, so it’s essential that you understand what it does and doesn’t cover.
What is general liability insurance?
Liability insurance can help cover medical expenses, attorney fees and damages you are legally responsible for. Nationwide can help with defense costs, regardless of fault, as well as protection for judgments, court costs and more.
Nationwide offers great basic plans that can be easily customized with a wide variety of options so you can select the coverage you need. We understand that you need complete business protection, not one-size-fits-all coverage. Our agents will work with you to determine the right type of commercial liability insurance you need for every stage of your business. You can enhance a basic policy with additional commercial liability insurance options, known as endorsements, that meet the specific needs of your business.
Who needs general liability insurance?
Here are some general liability insurance coverage rules of thumb. To be sure about your specific business needs, be sure to consult with a qualified business insurance agent.
Most businesses need general liability insurance to protect themselves against:
Lawsuits, investigations and settlements
Medical damages, attorney fees and Injury damages
Abuse coverage for liability
Just keep in mind that the following typically aren’t protected:
What’s covered by commercial auto insurance
Commercial auto insurance covers injuries that you or your employees may cause to other people and their property while driving. A typical commercial auto policy may include:
Auto liability, which protects you and your company by paying for bodily injury or property damages you may become legally liable for as a result of a covered automobile accident
Medical payments, which pays medical expenses, up to your coverage limit, for you, your employees and your passengers arising from motor vehicle accidents – regardless of who is at fault
Comprehensive coverage, which can help pay for damage to your vehicle from something other than another vehicle like vandalism, theft, weather events and accidents involving animals (subject to deductible)
Collision coverage, which pays for damage to your vehicle from another vehicle whether you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over – regardless of who is at fault (subject to deductible)
Uninsured and underinsured motorist coverage, which pays for medical expenses, loss of income and other damages owed to you, your employees (expenses that are not covered by workers’ compensation) or your passengers when an accident is caused by an uninsured or underinsured motorist
A commercial auto policy also can include coverage for cars you borrow or rent, as well as coverage for employees who use their cars for your business.
Workers’ compensation insurance can help
Workers compensation insurance protects the key players on your team – your employees. You count on them for the service, knowledge and expertise needed to move your business to the next milestone. They count on you to take care of them if the unexpected happens.
Workers compensation insurance, also known as workman’s comp insurance or simply workman’s comp, can help if:
An employee is injured in an auto accident while running errands for the company
An associate develops carpal tunnel syndrome from working on the computer
An employee gets hurt while restocking the supply room
You can enhance a basic policy with additional commercial liability insurance options that meet the specific needs of your business.
Who is covered by workers’ compensation?
Almost every state requires companies to carry workers’ compensation insurance to cover employees, but the laws vary by location and occupation. Some states will not cover seasonal employees, independent contractors, or agricultural employees , so it’s best to contact your state’s government agency to see if you are protected.
What doesn’t workers’ compensation cover?
Workers’ compensation insurance usually will not cover accidents that are a result of an employee being under the influence of drugs or alcohol. Coverage may also be denied for injuries caused intentionally or where an employee was not following proper protocol. Accidents that occur while at home or commuting will not be covered.
How much does workers’ compensation insurance cost?
Rates for coverage will depend on your state and payroll. Two other important factors that determine cost are the type of work your employees do, as well as any previous claims and workplace accident history. Talk to a Nationwide agent to learn more about specific coverage for your company.
Get the right workers’ compensation coverage for your business
As examples, workers’ compensation insurance can:
- Pay for an injured employee’s medical treatment
- Replace part of lost wages if a job-related injury requires time off work
- Protect your business and assets
We can help you find the workers’ compensation coverage that best fits your company and recommend ways to improve job safety, control losses and lower your claim costs. Most importantly, it can protect the people who work for you.