Nationwide Insurance Company of Florida Review (2025)

Nationwide Insurance Company of Florida, boasting an A+ A.M. Best rating, stands as a trusted choice for insurance coverage, offering excellent customer service, customizable policies, and competitive rates for diverse protection needs.

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Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Written by
Laura D. Adams
Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Reviewed by
Daniel Walker

Updated April 2024

Nationwide Insurance Company of Florida offers a comprehensive suite of insurance products, including auto, home, life, commercial, and pet insurance, catering to diverse protection needs. With an A+ A.M. Best rating and competitive annual rates, Nationwide stands as a financially stable and reliable choice for insurance coverage.

They distinguish themselves through an array of discounts, excellent customer service, and customizable policies. From safe driver incentives to accident forgiveness, their commitment to customer satisfaction is evident.

Whether safeguarding your assets, loved ones, or pets, Nationwide Insurance Company of Florida’s diverse range of coverage options makes them a compelling choice for those seeking comprehensive protection.

Nationwide Insurance Coverage Options

Nationwide Insurance Company of Florida provides a comprehensive range of coverage options to meet the diverse needs of its customers. Whether you’re looking for protection for your vehicle, home, loved ones, or pets, Nationwide has you covered. Here are the coverage options offered by the company:

Auto Insurance

  • Liability Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Personal Injury Protection (PIP)
  • Medical Payments Coverage

Home Insurance

  • Dwelling Coverage
  • Other Structures Coverage
  • Personal Property Coverage
  • Loss of Use Coverage
  • Liability Coverage
  • Medical Payments to Others Coverage

Life Insurance

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Universal Life Insurance

Commercial Insurance

  • Business Property Insurance
  • General Liability Insurance
  • Commercial Auto Insurance
  • Workers’ Compensation Insurance
  • Business Interruption Insurance
  • Professional Liability Insurance

Pet Insurance

  • Accident Coverage
  • Illness Coverage
  • Wellness Coverage

Nationwide Insurance Company of Florida’s diverse coverage options ensure that you can find the right insurance solutions to protect your assets, loved ones, and business. Whether you’re seeking basic coverage or comprehensive protection, they offer flexible policies to suit your unique requirements.

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Nationwide Insurance Rates Breakdown

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Driver ProfileNationwide Insurance Company of FloridaNational Average
Clean Record$150$100
1+ Ticket$200$150
1+ Accident$250$200
DUI$300$250
Poor Credit$258$172

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

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Nationwide Discounts Available

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DiscountNationwide Insurance Company of Florida
Anti Theft5%
Good Student10%
Low Mileage7%
Paperless3%
Safe Driver12%
Senior Driver15%

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Nationwide Insurance Company of Florida offers a variety of discounts to help policyholders save on their insurance premiums. These discounts are designed to reward responsible behavior and provide cost-effective options for their customers. Here are the notable discounts offered by the company:

  • Multi-Policy Discount: Save by bundling multiple insurance policies, such as auto and home insurance, with Nationwide.
  • Safe Driver Discount: Enjoy lower rates if you have a clean driving record and a history of safe driving.
  • Good Student Discount: Students with good academic records may qualify for reduced rates.
  • Anti-Theft Discount: If your vehicle is equipped with anti-theft devices, you can receive a discount on your auto insurance.
  • Defensive Driving Discount: Completing a defensive driving course can lead to additional savings on your premiums.
  • Accident Forgiveness: Nationwide offers accident forgiveness, which means your rates won’t increase after your first at-fault accident.
  • Paperless Billing Discount: Opt for paperless billing and receive a discount on your insurance payments.
  • Automatic Payment Discount: Set up automatic payments, and Nationwide may offer you a discount as an incentive for payment convenience.

With Nationwide’s commitment to offering discounts tailored to individual needs, policyholders can enjoy not only financial savings but also the peace of mind that comes with reliable and comprehensive coverage. Take advantage of these discounts today to ensure you receive the best value for your insurance needs with Nationwide Insurance Company of Florida.

How Nationwide Ranks Among Providers

Nationwide Insurance Company of Florida faces competition from several other prominent insurance providers in the market. These competitors offer their own range of insurance products and services, each with its own strengths and areas of focus. Here are some of the main competitors of Nationwide Insurance Company of Florida:

  • State Farm: State Farm is one of the largest insurance companies in the United States, known for its extensive network of agents and a wide array of insurance products, including auto, home, and life insurance.
  • Allstate: Allstate is another major player in the insurance industry, offering a range of coverage options for auto, home, life, and more. They are recognized for their proactive claims handling and innovative features.
  • Progressive: Progressive is renowned for its competitive auto insurance rates and user-friendly online tools. They focus on providing personalized coverage and offer a unique Snapshot program that rewards safe driving habits.
  • Geico: Geico is known for its humorous advertising campaigns and competitive pricing for auto insurance. They have a strong online presence and offer a variety of discounts to policyholders.
  • USAA: While primarily serving military members and their families, USAA is highly regarded for its exceptional customer service and comprehensive insurance offerings, including auto, home, and life insurance.
  • Farmers Insurance: Farmers Insurance provides a range of insurance products and emphasizes personalized coverage solutions. They have a network of local agents to assist customers.
  • Liberty Mutual: Liberty Mutual offers a diverse portfolio of insurance options, including auto, home, and business insurance. They are known for their strong financial stability and a wide array of coverage choices.
  • Travelers: Travelers is a major player in the commercial insurance space and also provides personal insurance products. They focus on risk management and offer coverage for unique or complex needs.
  • Nationwide (parent company): Nationwide Insurance Company of Florida’s parent company, Nationwide, operates nationally and competes in various insurance sectors, offering similar products and services.

It’s important to note that the choice between these insurance providers often depends on individual preferences, specific coverage needs, pricing, and geographical availability. Customers should carefully compare quotes, coverage options, and customer reviews to make an informed decision when selecting an insurance company.

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Nationwide Insurance Company of Florida Claims Process

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Nationwide Insurance Company of Florida offers multiple convenient options for policyholders to file insurance claims. Whether you prefer the ease of online filing, the simplicity of over-the-phone assistance, or the efficiency of mobile apps, Nationwide has you covered.

Their commitment to providing accessible claims processing methods ensures that policyholders can choose the approach that suits them best.

Average Claim Processing Time

One crucial aspect of any insurance company’s performance is the speed at which they process claims. Nationwide Insurance Company of Florida has made efforts to streamline their claims processing, aiming for efficiency and promptness. Policyholders can expect competitive claim processing times, helping them get back on their feet quickly after an unexpected event.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable indicator of an insurance company’s reliability in handling claims. Nationwide Insurance Company of Florida takes pride in its commitment to customer satisfaction. By assessing customer feedback on claim resolutions and payouts, prospective policyholders can gain insights into the company’s track record in providing fair and efficient claims settlements.

Digital and Technological Features of Nationwide Insurance Company of Florida

Mobile App Features and Functionality

Nationwide Insurance Company of Florida understands the importance of technology in enhancing the customer experience.

Their mobile app offers a range of features and functionality to policyholders, allowing them to manage their policies, access important documents, and even file claims directly from their mobile devices. The app’s user-friendly interface ensures ease of navigation and quick access to essential information.

Online Account Management Capabilities

For policyholders who prefer to manage their insurance accounts online, Nationwide provides robust online account management capabilities. This includes the ability to view policy details, make payments, update personal information, and track the status of claims. The online platform is designed to empower policyholders with the tools they need to manage their insurance conveniently.

Digital Tools and Resources

In today’s digital age, having access to educational resources and tools is essential for making informed insurance decisions. Nationwide Insurance Company of Florida offers a range of digital resources, including informative articles, calculators, and guides, to help policyholders understand their coverage options and make the right choices for their unique needs.

These digital tools are part of Nationwide’s commitment to providing comprehensive support to their customers through technological means.

Frequently Asked Questions

How do I file a claim with Nationwide Insurance Company of Florida?

To file a claim with Nationwide Insurance Company of Florida, you can contact their claims department directly through their website or by phone. They have a dedicated team available to assist you with the claims process.

What types of insurance does Nationwide Insurance Company of Florida offer?

Nationwide Insurance Company of Florida provides a wide range of insurance products, including auto insurance, home insurance, life insurance, commercial insurance, and pet insurance. They aim to cater to various aspects of your life and protection needs.

Can I customize my insurance coverage with Nationwide Insurance Company of Florida?

Yes, Nationwide Insurance Company of Florida offers customizable coverage options. They understand that every individual’s needs are unique, and they provide flexibility in tailoring your policies to suit your specific requirements.

Does Nationwide Insurance Company of Florida offer any discounts to policyholders?

Yes, Nationwide Insurance Company of Florida offers several discounts to help policyholders save on their premiums. These discounts include multi-policy discounts, safe driver discounts, good student discounts, and more. They are designed to reward responsible behavior and provide cost-effective options.

What is the A.M. Best rating of Nationwide Insurance Company of Florida?

Nationwide Insurance Company of Florida holds an A+ A.M. Best rating, indicating their strong financial stability and ability to meet their insurance commitments.

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