We have everything we own insured through Nationwide, including my professional camera equipment. Rates are comparable to the other TV and internet insurance prociders and we have a human being to talk to when we have a claim. Never a question to us when we claimed twice within 2 months for tire blowouts on the RV. We had a bad hail storm a few years back and they sent an adjuster to the house to check the roof at our request....after about 30 minutes, he wrote a check right then and there to replace the shingles. I've been with Nationwide for the past 35 years and have never had a problem with them creeping up the premiums or denying claims or in general treating us badly enough to want to switch.