Does Nationwide Write Home Insurance in Florida?

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If you Google "does Nationwide write home insurance in Florida," almost every page on the first result will tell you no. Most of those pages are not wrong, but they are not fully current either.

Augustyniak Insurance Group is an independent agency in Jacksonville, Florida. We work with more than 80 insurance companies, and as of 2026, Nationwide is one of the home insurance companies we can quote in Florida. That has not been true for most agencies in the state for a long time.

Susan Augustyniak, our Vice President, spent nine years at Nationwide before joining the agency in 2008. She worked there as a commercial underwriter, large loss property claims adjuster, and sales manager. She knows the company from the inside, and she has been watching this Florida home market closely for two decades. If you want to know whether your home qualifies, call us at (904) 268-3106.

What is the actual answer about Nationwide and Florida home insurance?

Nationwide has been a national auto, life, and business insurance presence in Florida for many years. The homeowners insurance side is the part that largely disappeared.

After the 2004 and 2005 hurricane seasons, Nationwide and most other large national insurance companies pulled back from writing new homeowners policies in Florida. State Farm, Allstate, Travelers, Hartford, and several others did the same thing for the same reason: too much hurricane exposure for one storm to wipe out years of profit.

For most of the next twenty years, the typical advice for a Florida homeowner asking about Nationwide was simple. Auto insurance, yes. Home insurance, no.

That advice is no longer fully accurate. Nationwide is writing Florida home insurance again, on Nationwide paper, through a pilot program with a select few independent agencies in the state. Our agency is one of them. The policy is issued by Nationwide directly, not through a partner company.

Why is Nationwide writing Florida home insurance again in 2026?

Three things changed at the same time, and Nationwide is responding to all three.

The Florida insurance market is stabilizing. The legislative reforms passed in Florida in 2022 and 2023 reduced lawsuit abuse, lowered reinsurance pressure, and brought new capital into the state. Multiple new home insurance companies have entered Florida since 2024. Existing companies have started filing rate decreases. Citizens, the state-run insurer of last resort, has filed its first rate decrease in a decade.

Reinsurance prices have come down. When reinsurance is too expensive, Florida home insurance is unprofitable for big national companies. As reinsurance has eased, Florida is once again a market large companies can underwrite without taking on more risk than they want to hold.

National companies want a Florida footprint. Florida is the third-largest state and one of the fastest-growing. Long-term, national insurers do not want to be absent from a market that big. As soon as the math works again, the larger companies start coming back. Several of Florida's largest home insurance companies have made similar moves over the past 18 months.

Nationwide is one of the companies coming back, but cautiously and selectively. They are not opening the floodgates. The Florida home insurance program is structured as a pilot, writing through a select few independent agencies in the state, on homes that meet specific underwriting guidelines, in geographies where Nationwide wants exposure. Our agency is one of those select few.

Which Florida homes does Nationwide write?

Nationwide's Florida home insurance underwriting is more selective than what most Florida-only companies use. Three factors carry the most weight on whether the home is even eligible:

• Age of the home.
  Nationwide's Florida home product is more accessible for newer homes than for older ones. Older homes are not automatically out, but the older the home, the more the rest of the file has to look right.
• County.
  Some Florida counties fit Nationwide's guidelines more easily than others. Where your home sits on the map is one of the first underwriting questions.
• Distance to the coast.
  Coastal exposure is the single biggest reason most national companies left Florida home insurance after 2004 and 2005. Distance to the coast is a key factor in whether Nationwide can write a specific home today.

Three more factors then drive the pricing and final terms once a home clears the eligibility gates above:

• Age of the roof.
  Roof age is one of the most important factors in any Florida home insurance quote, and Nationwide is firm on it. Older roofs are difficult to place anywhere in Florida, and Nationwide is no exception. A four-point inspection report and roof condition documentation will matter.
• Claims history.
  A clean claims history is meaningful. Recent water claims, multiple recent claims, or a pattern of claims complicates placement with Nationwide and most other strong companies.
• Occupancy of the home.
  Nationwide writes primary residences. Seasonal homes, second homes, vacant homes, and rental properties have different underwriting requirements or fall outside the program. If the home is not your primary residence, we will need to discuss the right product, which may be Nationwide or another company we work with.

None of these factors are automatic disqualifiers on their own. They are inputs to the quote. The only way to know if your home fits Nationwide's Florida guidelines is to run a quote. Call us at (904) 268-3106, or use the form below.

Who tends to fit Nationwide best in Florida?

Based on what we are seeing in the early returns of the program, Nationwide tends to be the strongest fit for Florida homeowners with a few common characteristics:

• Newer homes in Florida, where the age of the structure aligns with Nationwide's program.
• Primary residences rather than seasonal homes, second homes, or rental properties.
• Homeowners already with Nationwide auto who can take advantage of the multi-policy discount.
• Inland or moderate coastal exposure rather than tight coastal locations.
• Cleaner claims histories without recent water claims or repeated losses.
• Updated roofs within typical Florida market expectations.

If most of these describe your home, Nationwide is likely worth quoting alongside our other companies. If only one or two apply, the answer is less certain and a quote is the way to find out.

From what we are seeing in our own book of new Nationwide quotes, newer inland homes in areas like Jacksonville, St. Johns County, and parts of Clay County and Nassau County are fitting the program more often than older coastal homes closer to the Atlantic.

Why does Nationwide matter as a Florida home insurance option?

For nearly twenty years, the strongest national home insurance brands were unavailable to Florida homeowners. Most Florida home policies have been written by Florida-only home insurance companies. That has worked, but it has also meant fewer options on financial strength, claims structure, and product features. It has also meant fewer Florida households have had the convenience of placing home, auto, and umbrella coverage with the same company.

Nationwide brings a different profile to the Florida home market. The reasons it matters:

• National financial strength.
  Nationwide Property & Casualty Group holds an A (Excellent) Financial Strength Rating from AM Best, affirmed November 2025. That rating reflects the entire national company, not a Florida-only subsidiary.
• Nationwide's own claim adjusters.
  Claims are handled by Nationwide claim adjusters, not outsourced to a third-party adjusting firm. After a Florida storm, the company sending an adjuster to your home is the same company that issued your policy. Nationwide has historically scored well in several national claims satisfaction studies.
• Extended replacement cost coverage.
  Nationwide offers extended replacement cost as an option, which increases your dwelling coverage limit beyond the policy limit if rebuilding costs run higher than expected. After a major Florida storm, materials and labor costs can spike. This option is your buffer against that scenario.
• Brand New Belongings.
  Replacement cost coverage for personal property, which pays to replace your items at today's price rather than at depreciated value. Older furniture, electronics, and clothing get replaced as new, not at what they would sell for at a yard sale.
• Ting fire prevention sensor.
  Eligible Nationwide homeowners can receive a free Ting smart sensor that monitors the home's electrical system for fire hazards, plus monitoring service and repair allowance if Ting identifies a hazard. None of the Florida-only home insurance companies currently offer this.
• Ordinance or law coverage built in.
  If your home is older and has to be rebuilt to current Florida building code after a loss, the upgrade costs can be substantial. Nationwide includes ordinance or law coverage in the standard policy, where many companies sell it as an add-on.

None of this means Nationwide will be the right answer for every Florida home. It means Nationwide brings real options to the Florida market that have been thin on the ground for the past two decades.

Will Nationwide be cheaper than my current Florida home insurance?

For newer homes in Florida, Nationwide is often priced competitively. That is one of the more interesting observations from the early returns of the program. When you weigh price alongside the company's financial strength rating and in-house claims handling, Nationwide is a real contender on newer Florida homes — not always the lowest, but often close to it with a stronger profile behind the policy.

For older Florida homes, the picture is less consistent. A Florida-only home insurance company sometimes writes the same home for less. The age of the home is the biggest single factor that drives where Nationwide lands relative to the competition.

What we usually see when we quote a Florida home across multiple companies, including Nationwide:

• Newer Florida homes.
  Nationwide is frequently competitive on price, and the bundle discount with auto can widen the gap further. Given the company's strength rating and claims structure, Nationwide is often worth serious consideration.
• Older Florida homes.
  Pricing varies more. Some homes still come in well with Nationwide, others write better with a Florida-specialty company. We quote both ways and let you compare.
• Coverage and deductibles often differ between companies.
  The lowest premium is not always the right answer. Hurricane deductibles, ordinance or law coverage, replacement cost terms, and roof coverage rules can vary. The total picture is what matters, not just the headline price.

The only way to know where Nationwide lands for your specific home is to run a quote across all the companies we work with and compare side by side. Call (904) 268-3106 or use the form below.

What does the Nationwide home and auto package look like in Florida?

For Florida homeowners who carry both home and auto with the same company, the Nationwide package is one of the strongest options on the market. There are three reasons it works well together:

• Bundle savings up to 20% on the home premium.
  When Nationwide writes both your home and auto, the multi-policy discount can save up to 20% on the home insurance premium. For Florida homeowners paying high single-line premiums, that is a meaningful number.
• Nationwide auto is competitive on its own.
  This is worth understanding. Nationwide auto rates in Florida are competitive against other auto carriers on price alone, not just as a bundle anchor. We see this regularly when we run auto quotes across multiple companies. The auto side of the package holds up on its own merits, which means you are not overpaying on auto to get the home discount.
• One company, one claim experience.
  If a hurricane damages both your home and a vehicle in your driveway, both claims are handled by the same company, by Nationwide's own claim adjusters. That coordination is simpler than dealing with two carriers, two adjusters, and two different sets of paperwork during a stressful time.

What we usually find when we quote both: the Nationwide package wins on total cost for households who would otherwise be paying for separate home and auto policies anyway. The combined number, with the bundle discount factored in, is often hard to beat.

What if I already have Nationwide auto?

If you currently have Nationwide auto in Florida and your home qualifies for the Nationwide Florida home product, the bundle discount is finally back on the table. For years, Florida Nationwide auto customers who wanted to bundle were told they could not because the home product was not available. That is no longer the case for eligible homes. We can quote it as a package and show you the dollar difference.

Was Nationwide ever fully out of Florida?

Not entirely. This is a common misunderstanding worth clearing up.

Nationwide has continued to write auto insurance, life insurance, business insurance, commercial auto, workers' compensation, and other lines in Florida throughout this period. Many Florida households have had Nationwide auto policies for years without realizing that their home insurance was somewhere else only because the home product itself was not being sold here.

Nationwide auto in Florida has stayed competitive on price the whole time. The "Nationwide is not in Florida" framing was always specific to home insurance. The other products never went away.

What should a Florida homeowner do next?

If you are shopping home insurance and want to know whether Nationwide is an option for you, the next step is short.

1. Have your declarations page handy.
   The dec page from your current policy shows your coverage limits, deductibles, and home details. That is what we need to quote accurately.
2. Know your roof age and any recent updates.
   Roof age, plumbing updates, electrical updates, and four-point inspection results, if you have them, all matter to underwriting.
3. Decide if you want bundle pricing.
   If you have Nationwide auto, mention it. If you have auto somewhere else, mention that too. We can run multiple bundle scenarios.
4. Reach out.
   Call us at (904) 268-3106 or use the form at the bottom of this page. We will run Nationwide alongside our other companies and bring you the strongest options.

Ready to see real numbers? Fill out the form below or call (904) 268-3106. We will quote your home with Nationwide if you qualify, plus the other strong Florida home insurance companies we work with.

Susan Augustyniak, CIC

Vice President, Augustyniak Insurance Group

Certified Insurance Counselor with 25+ years in the industry. Before joining Augustyniak Insurance Group in 2008, Susan spent nine years at Nationwide as a commercial underwriter, large loss property claims adjuster, and sales manager. She holds a Florida 2-20 General Lines Agent license and helps Jacksonville homeowners navigate coverage decisions across Duval, St. Johns, Clay, and Nassau counties. The Augustyniak team handls the entire policy lifecycle — quote, bind, claims, renewals, and annual reviews — so clients have one consistent point of contact for years. Published May 2026.