National General Insurance Review 2020: Home & Car

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With 100 years of experience, National General is one of the largest automobile insurers in the United States. Its close ties with the automotive industry began at the company origin as General Motors Acceptance Corporate Insurance or GMAC Insurance. National General is the only insurance provider in the United States to have started within the automotive industry.

In 2013, GMAC Insurance became National General Insurance and has since broadened its coverage offerings by selling home and property insurance policies in addition to auto insurance policies. National General Insurance’s deeply rooted ties in the automotive industry give it an experience that sets the provider apart from competitors. The ability to get both home and auto insurance coverage makes National General an insurance one-stop-shop.

National General coverage options and discounts

Car insurance

True to its automotive origins, National General offers a variety of auto insurance coverage including collision, comprehensive and liability coverage. To help make your auto insurance more affordable, National General offers a variety of discounts. Ask your National General agent to find out if you qualify for any of the discounts available.

Some discounts to watch for include:

  • Safe driver discounts
  • Low mileage discount
  • Paid-in-full discount
  • Multi-vehicle discount
  • Affinity discount
  • Multi-policy discount
  • Anti-theft discount
  • Auto pay discount
  • RV and auto discount
  • GM family first discount

In addition to your discounted insurance policy, the National General Motor Club is available to all National General auto insurance customers. If you sign on as a member of the motor club, you’ll have benefits like 24/7 roadside assistance at discounted rates, towing services, emergency expense reimbursement, trip planning benefits and a variety of discounts.

National General ranked 17 out of 25 in Insure.com’s review of the largest auto insurance companies by market share.

Home insurance

National General provides home insurance from standard policies to comprehensive home coverage. A standard home policy helps keep your home and belongings safe from fire, hail damage and theft. However, many homeowners add additional coverage to their home policies, and National General offers some great additional coverage options:

  • Guaranteed and extended replacement of your home to replace your home in a total loss
  • Green upgrade coverage to receive additional funds if you choose to use green and sustainable materials to repair your home damage
  • Additional coverage for belongings including increased coverage limits for expensive items
  • Identity theft reimbursement to help cover the cost of restoring your identity after it’s been stolen

You might be able to lower your National General insurance quote by asking about these discounts:

  • Age of home
  • Auto companion
  • Home/auto account
  • Claim free
  • College education
  • Gated community
  • Homebuyer discount
  • Homeowners association
  • Protective devices
  • Superior construction
  • Multi-policy

Renters Insurance

Many renters think their belongings are covered under their landlord’s insurance policy. However, without your own renters insurance policy, you may be left without your belongings or the finances to recover them in the event of fire, theft, storms or other damage. National General offers a renters insurance policy to make sure your personal property is covered and you have liability protection.

Though the website does not explicitly state which discount options are available with renters insurance, the following discounts are a few to ask your National General agent about:

  • Claim free
  • College education
  • Gated community
  • Protective devices
  • Multi-policy

National General ratings, reviews, customer satisfaction and complaints

National General insurance customer service proves their commitment to customer satisfaction by maintaining an A+ rating with the BBB. BBB ratings are based on a wide variety of factors like complaint history, type of business, time in business, transparent business practices, and more.

In the J.D. Power U.S. Auto Insurance Study – Southeast for 2019, National General ranked among the lowest in all categories except price and interaction, where it ranked about average. The factors ranked include overall customer satisfaction, policy offerings, price, billing process and policy information, interaction and claims.

In the 2019 J.D. Power U.S. Home Insurance Study, National General ranked among the lowest for all five category factors, scoring a two out of five in each category.

J.D. Power rankings are an overall index based upon weight responses to various survey factors. The rankings for National General indicate that competitors may be offering a wider variety of policy offerings at a better price and with more satisfactory claims processes. National General Insurance earned a 2.8 out of 5 rating on Google Reviews with several reports of billing issues and issues with the claims process.

Although the J.D. Power rankings were below average, National General is able to offer great financial stability for customers. The company holds an AM Best rating of A-. This rating shows a stable financial outlook and the ability to pay for National General insurance claims.

Reasons why National General is a great option

National General offers 24/7 claims services available every day. This makes it easy to file a claim no matter when an accident occurs. Although the price of National General policies is generally higher than other providers, it’s a great choice for someone with a house, car and RV. Additionally, National General policies may be a good fit for low mileage drivers or anyone who qualifies for the excellent discounts available.

Additional policies offered by National General

In addition to home and car policies, National General provides policies including:

  • RV
  • Motorcycle
  • Small business vehicle
  • Health insurance

Frequently asked questions

What do I need to get a National General Insurance quote?

To get a National General insurance quote, you can fill out an online form or call the quote line. You’ll need to provide information about your vehicle, any other drivers on the policy and information on the value of your home to get a quote.

How do I file a National General Insurance claim?

Filing a claim is easy using the National General website or by giving the claims line a call.

How long does it take to process National General insurance claims?

Depending on the situation, your claim may be processed in as little as 24 hours.

Does my home insurance cover all of my belongings?

Your items are covered up to a certain dollar amount and you should be able to purchase additional coverage.