Quick Verdict
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National General Insurance may be worth it for shoppers who prioritize customization and also want to work with one of more than 55,000 independent agents across the country.
Policyholders enjoy coverage for their home, personal items, and identity, and may save money on premiums through a variety of discounts and credits.
Pros
- Large independent agent network
- Backed by Allstate
- A+ (Superior) financial rating with AM Best
- Multiple homeowners discounts available
Cons
- Coverage and discounts vary by state and policy
- No online quotes; must work with an agent
Who It’s Best For / Not For
Who National General Insurance is best for:
Homeowners who prefer the assistance of an agent
Buyers looking to customize their homeowner’s insurance policy
Shoppers hoping to bundle their home and auto insurance policies
Who Should Consider Other Options
Shoppers looking for the lowest-priced homeowner’s insurance
Those who prefer to view quotes online
Consumers who prefer digital tools for claim processing
Key Facts
Year Founded | 1920 |
Parent Company | The Allstate Corporation |
Agent Network | More than 55,000 independent agents |
Bonus Feature | Identity theft expense reimbursement coverage |
Other Coverage Options | Auto, condo, renters, flood, umbrella, RV, motorcycle, and more |
National General Insurance Reviews: Editorial Rating
Trusted Company Reviews Rating Score for National General Insurance: 7.9
National General Insurance earned a 7.9 score on our home insurance rating scale. Its customizable coverage options, competitive pricing, and strong financial backing contributed to its solid overall score. However, customer satisfaction concerns and limitations in its digital shopping experience lowered its rating.
Strong score for coverage quality and customizable policy options
High scores for financial strength and overall value
Lower scores for customer satisfaction and digital shopping and support
Better Business Bureau Grade | Trustpilot Review Score | AM Best Financial Strength |
A+ Rating, Not accredited | 1.2/5 star rating | A+ (Superior) |
How National General Insurance scored on each weighted attribute:
Coverage Quality & Policy Options | 9.0 |
Rates, Discounts & Overall Value | 8.5 |
Claims Experience & Customer Satisfaction | 5.5 |
Financial Strength & Company Reputation | 9.5 |
Accessibility & Policy Flexibility | 8.0 |
Shopping, Digital Tools & Customer Support | 6.5 |
Editorial Value & Market Position | 7.0 |
Final Weighted Rating | 7.9/10 |
What Makes National General Insurance Different?
Unlike some competitors, National General Insurance doesn't rely on customers to compare plans online. Instead, it provides a vast network of 55,000+ independent agents who walk customers through policy customizations and help them find discounts for new home purchases, gated community living, policy bundles, and more.
Features and Benefits
National General Insurance offers several replacement cost coverage options, including extended and guaranteed replacement cost protection that may help cover rebuilding expenses following a total loss. The company also offers flood insurance through the National Flood Insurance Program. Coverage limits, eligibility, and availability vary by policy, so review your policy documents carefully.
Dwelling coverage for fire, smoke, storms, theft, vandalism, and other hazards
Guaranteed and extended replacement cost coverage options
Temporary living expenses when home becomes uninhabitable
Optional coverage for high-value personal property
Identity theft assistance
Flood insurance options through the National Flood Insurance Program
Pricing & Value: How Much Does National General Home Insurance Cost?
National General Home Insurance costs vary significantly based on your chosen policy, coverage details, discounts, and bundles.
National General provides solid coverage with guaranteed replacement value
Multiple discounts and bundles ensure the best price for policies
Potentially worth the cost for shoppers who want to work with an agent to customize coverage
National General Insurance Customer Reviews
National General Insurance holds a 1.2/5 star rating on Trustpilot. Although the rating is poor, reviews are mixed, with some consumers praising friendly customer service and affordable coverage. Overall, however, most reviews give 1 star, with customers expressing frustration over service, claims, payment practices, and response time.
Lengthy response time when filing claims
Limited assistance provided by support
Difficulty in obtaining payouts
How National General Insurance Compares
National General vs Credible: Assistance from a network of agents vs online quotes
National General vs Erie: Various discount options vs consistently affordable premiums
National General vs Farmers: Extensive independent agent network and customizable coverage vs flexible policy options and strong home and auto bundling discounts.
National General Home Insurance Alternatives
While National General Insurance stands out for its customizable homeowners coverage, extensive independent agent network, and strong financial backing, other providers may offer advantages in customer satisfaction, digital tools, and bundling discounts.
Comparing alternatives in our overviews of the best home and auto insurance bundles and the best and cheapest home insurance can help you find the right combination of coverage, service, and savings.
Farmers: Strong option for homeowners seeking customizable coverage, personalized agent support, and competitive home and auto bundling discounts.
State Farm: Best for homeowners who value personalized service, a large local agent network, and strong claims satisfaction.
Allstate: Good choice for homeowners seeking multiple discount opportunities and savings through home and auto bundling.
Nationwide: Strong option for households looking to combine home, auto, pet, RV, motorcycle, or umbrella insurance with one provider.
Travelers: Worth considering for its financial strength, customizable homeowners coverage, and potential savings from bundling multiple policies.
Should You Choose National General Insurance?
Consider National General if: you value agent support and replacement-cost options
Probably Not if: you rely on customer reviews to make your company selection
Frequently Asked Questions
Conclusion
National General combines strong financial backing with flexible homeowners coverage, an extensive independent-agent network, and valuable options such as guaranteed replacement cost protection.
Its 8.8/10 Trusted Company Reviews rating reflects those advantages, but poor third-party customer reviews paint a concerning picture. Get a quote if its coverage appeals to you, but compare it carefully with higher-ranked homeowners insurers in our overviews of the best home and auto insurance bundles and the best and cheapest home insurance before choosing.
About Author
Tammy McKinney
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.