Choosing the right insurance provider is a crucial decision—one that impacts your financial stability, personal security, and peace of mind.In the vast and ever-changing landscape of insurance providers, National General Insurance has carved a reputable name for itself. Known for its commitment to customer satisfaction, wide range of coverage options, and deep industry experience, National General has been a reliable ally to individuals, families, and businesses across the United States. Whether you’re looking for auto, home, RV, or small business insurance, this insurer delivers protection with a personalized touch.
In this post, we’ll take a detailed look at National General Insurance—its history, offerings, unique advantages, customer service approach, and why it stands out among insurance providers.
A Brief History of National General Insurance
National General Insurance has its roots going back to 1920, originally founded as the Motors Insurance Corporation, affiliated with General Motors. It has evolved over the decades through acquisitions and strategic rebranding, eventually becoming National General Insurance.
In 2021, the company was acquired by The Allstate Corporation, one of the largest publicly held personal lines property and casualty insurers in the U.S. This acquisition strengthened National General’s capabilities while still allowing it to operate under its established brand and customer-first approach.
What National General Offers
One of the biggest strengths of National General is the variety of insurance products it offers. Unlike providers that specialize in just one area, National General provides a well-rounded suite of insurance policies, including:
1. Auto Insurance
National General is best known for its auto insurance. It offers:
- Standard Coverage (Liability, Collision, Comprehensive)
- High-Risk Drivers Policies
- Mexico Auto Insurance
- 24/7 Roadside Assistance
- SmartDrive App for safe driving discounts
- Low Mileage Discounts
What makes their auto insurance unique is its accessibility to drivers with past issues—such as DUIs, at-fault accidents, or lapses in coverage. While many insurers shy away from these applicants, National General offers flexible underwriting.
2. Homeowners Insurance
Their home insurance covers:
- Structural damage
- Personal belongings
- Liability coverage
- Additional living expenses
- Flood and earthquake riders (optional)
This coverage is customizable, allowing homeowners to tailor their policy according to their property’s specific needs.
3. RV & Motorhome Insurance
Few companies specialize in RV insurance, but National General excels here. They offer:
- Total loss replacement
- Personal belongings coverage
- Campsite and vacation liability
- Emergency expense coverage
- Optional full-timer coverage for RVers who live on the road
4. Small Business Insurance
For entrepreneurs, National General offers:
- General liability
- Commercial auto insurance
- Workers’ compensation
- Property insurance
These products are geared toward small to mid-sized businesses that need reliable protection with easy-to-manage policies.
5. Health and Supplemental Insurance
They also provide:
- Short-term health plans
- Accident & critical illness insurance
- Dental & vision plans
These are particularly useful for self-employed individuals or those between jobs.
Standout Features and Benefits
National General differentiates itself through several unique features:
✔️ Acceptance of High-Risk Drivers
Many drivers with past infractions or lapses in coverage struggle to find affordable insurance. National General helps bridge this gap, making it easier for those in need to get back on the road legally and safely.
✔️ Rapid Claims Processing
National General prides itself on fast claims resolution. In many auto claims, customers can use the NGIC Claims App to report accidents, upload photos, and receive quick claim status updates.
✔️ Flexible Payment Plans
Customers can choose from a variety of payment plans—monthly, quarterly, or semi-annual—depending on what works best for their budget.
✔️ Bundling Discounts
Bundling auto and home policies with National General can lead to significant savings—a huge plus for families and multi-policy holders.
✔️ 24/7 Customer Support
The company operates a full-time customer support and claims line, ensuring that help is available at any hour.
Digital Tools and Technology
In today’s digital age, policyholders expect convenience, and National General delivers. Their online portal and mobile app allow customers to:
- View policy documents
- Make payments
- File claims
- Track claim status
- Contact support
This self-service model empowers customers to manage their insurance without needing to wait on hold or visit a physical office.
Customer Reviews and Reputation
While every insurance company receives mixed feedback, National General generally earns praise for:
- Competitive pricing
- Flexible coverage options
- Helpful agents
- Fast roadside service
However, some customers mention areas for improvement in customer service responsiveness and claim communication. That said, after becoming part of Allstate, several improvements have been made, and customer satisfaction scores are trending upward.
Is National General Right for You?
If you’re looking for an insurance provider that’s flexible, experienced, and offers tailored policies, National General could be a great choice. It’s especially ideal for:
- High-risk drivers
- RV and motorhome owners
- Customers needing short-term health or supplemental insurance
- Individuals looking to bundle multiple policies
Before purchasing, it’s wise to compare quotes from multiple providers, but don’t overlook the unique advantages National General brings to the table.
Conclusion
In a crowded insurance marketplace, National General Insurance stands out for its comprehensive offerings, flexibility, and willingness to insure non-standard customers. Whether you’re insuring a car, home, business, or RV, the company offers robust protection that adapts to your needs.
Backed by the strength of Allstate and a history of nearly a century in the business, National General continues to be a trustworthy, forward-thinking insurance provider that delivers peace of mind.
Disclaimer: Always review the most recent policy details and speak to a licensed agent before making an insurance decision. Coverage availability and rates may vary by state and individual profile.
So if you’re searching for affordable, comprehensive insurance from a company with decades of experience, National General might just be the smart choice for you.