In the ever-growing world of insurance providers, it can be challenging to find a company that not only offers comprehensive coverage but also provides reliable customer service and flexible options to meet your needs. One name that has stood out in the U.S. insurance landscape is National General Insurance. Known for its wide range of policies and customer-first approach, National General has carved a niche for itself as a trusted provider across the nation.
In this post, we’ll take an in-depth look at National General Insurance—who they are, what they offer, and why they might be the right choice for you.
What Is National General Insurance?
National General Insurance is a U.S.-based insurance company that has been providing coverage for individuals, families, and businesses for over 75 years. Formerly a part of General Motors, the company began by insuring GM vehicles and has since expanded into a full-fledged provider of auto, home, RV, health, and commercial insurance. In recent years, National General became part of the Allstate family, further enhancing its capabilities and national reach.
With a strong focus on personalized service, flexible policy options, and innovative insurance solutions, National General caters to a diverse client base, including high-risk drivers and those looking for affordable coverage alternatives.
Key Insurance Products Offered by National General
National General Insurance offers a broad array of products designed to meet a wide range of personal and commercial needs. Here’s a closer look at some of their most popular offerings:
1. Auto Insurance
Auto insurance is the cornerstone of National General’s product lineup. What sets them apart is their willingness to insure drivers who may struggle to find coverage elsewhere—such as high-risk or previously uninsured drivers.
Features include:
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Liability, collision, and comprehensive coverage
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SR-22 filing assistance for high-risk drivers
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Rental reimbursement
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Emergency expense allowance
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24/7 roadside assistance
2. Home Insurance
National General’s home insurance policies are designed to protect not just your home, but everything inside it.
Benefits include:
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Coverage for natural disasters like wind, hail, and fire
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Personal property protection
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Liability coverage
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Additional living expenses if your home becomes uninhabitable
They also offer specialized policies for mobile homes and renters.
3. Recreational Vehicle (RV) Insurance
National General is a recognized leader in RV insurance, offering policies specifically tailored to the needs of RV owners.
Highlights:
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Full replacement cost coverage
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Personal belongings coverage
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Emergency travel expenses
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Full-timer’s package (for those living in their RV full-time)
4. Health Insurance
National General provides short-term health insurance plans that are particularly helpful for people in transition—whether you’re between jobs, waiting for employer coverage to begin, or recently retired.
Options include:
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Short-term medical plans
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Fixed-benefit plans
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Accident and critical illness insurance
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Dental and vision coverage
5. Small Business Insurance
For entrepreneurs and small business owners, National General offers commercial auto insurance, general liability, and workers’ compensation policies. These help safeguard business operations and protect against potential legal and financial risks.
Unique Features and Benefits
1. Flexible Payment Options
National General provides multiple payment plans to fit various budgets. Whether you prefer monthly installments or annual payments, you’ll find a schedule that works for you.
2. Discount Opportunities
The company offers various discounts to help policyholders save money, including:
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Multi-vehicle discount
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Safe driver discount
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Anti-theft and safety equipment discount
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Home and auto bundle discounts
3. Rapid Claims Processing
National General prides itself on its efficient claims handling process. With 24/7 claims support and a user-friendly mobile app, filing and managing claims is straightforward and stress-free.
4. Telematics Program
National General’s DynamicDrive program uses smartphone-based telematics to monitor your driving habits. Safe drivers can qualify for significant discounts based on their real-time driving behavior.
Who Should Consider National General Insurance?
National General is ideal for:
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High-risk drivers who have trouble securing traditional auto insurance
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RV enthusiasts looking for specialized, comprehensive coverage
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Budget-conscious individuals who want flexible, affordable options
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Short-term health seekers in need of interim health coverage
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Small business owners who require commercial vehicle or liability insurance
While the company does cater to a wide market, it shines especially in niches where standard providers may fall short.
Customer Feedback and Reputation
National General Insurance has received mixed reviews—something common in the insurance world. Many customers praise the company for its affordability and ease of access, especially when other insurers have declined coverage. On the other hand, like any large company, it has its share of complaints regarding claims delays or billing issues.
However, its recent acquisition by Allstate is expected to bring further improvements in customer service, technology, and policy offerings.