National General Homeowners Insurance

National General Homeowners Insurance

 4.0/5 (32 reviews)
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About National General Homeowners Insurance

National General, formerly known as GMAC insurance, sells homeowners insurance as well as RV and auto insurance. Plan coverage with National General ranges from basic to comprehensive. National General’s prices trend higher than competitors’, but customers have access to several discounts to lower their premiums.

Pros & Cons


  • 24/7 claims
  • Bundling options
  • Multiple discounts


  • Pricey comprehensive coverage

Bottom Line

Overall, National General is a good choice for homeowners. Although prices are high for comprehensive coverage, customers who qualify for enough discounts pay significantly lower premiums.

Top National General Homeowners Insurance Reviews


I got a home insurance through National General. I've had them for a little while. I called them with whatever my issues were, probably about my payment or something with my insur...

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My National General insurance plan's coverage has a lot of flexibility. ... The rep I interacted with was very friendly, helpful and he went above and beyond. When we started talk...

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How does National General homeowners insurance work?

National General offers basic and comprehensive homeowners insurance coverage. The basic coverage is affordable but more limited. Comprehensive coverage costs significantly more, especially with add-ons, though customers who qualify for discounts pay less. Some customers bundle their homeowners insurance with auto insurance from National General to receive a discount. National General also offers RV insurance. The company has a strong rating for financial strength from AM Best.

National General homeowners insurance cost

National General’s homeowners insurance costs anywhere from $600 a year for basic coverage to $2,000 or more each year for comprehensive coverage. The most significant factors that determine the cost of homeowners insurance are the value of the covered home, geographic location and level of coverage. The best way to get an exact quote is to call National General directly or fill out a quote form online.

What does National General homeowners insurance cover?

National General's homeowners insurance policies range from basic to comprehensive. Depending on the plan you choose, your policy may include:

  • Guaranteed and extended home replacement covers the full value of your house in the event of the total loss of your home.
  • Possessions coverage provides payments to replace homeowners’ possessions both inside and outside their homes.
  • Green upgrades pay for upgrades from traditional appliances to energy-efficient ones.
  • Identity theft protection from National General covers up to $15,000 in legal fees and other costs associated with identity theft.
  • Open perils coverage provides financial protection from damage caused by wind, lightning and fire.
  • Loss of use coverage pays for alternative living arrangements when a home is temporarily uninhabitable.
  • Ordinance and law protection pays for extra construction costs required to adhere to new city or municipal code standards when replacing your home after a total loss.
  • Water backup protection covers water backup from drains, sewers and sump pumps.

National General homeowners insurance discounts

National General offers multiple discounts that can significantly lower your premium costs. The company recommends that homeowners review policies regularly to see what discounts they qualify for.

  • Age of home: Houses built recently are eligible for policy discounts.
  • Auto/home bundling: Bundle home and auto insurance policies with National General and pay less.
  • Claim-free: Customers who haven’t made a recent claim receive a discount.
  • College education: Education levels sometimes affect insurance rates. Customers with a college education are eligible for a discount.
  • Gated community: Homes in gated communities receive a discount because of the decreased likelihood of theft.
  • Homebuyer: Recent homebuyers pay less for policies with National General.
  • Homeowners association: Members of homeowners associations pay less for home insurance policies.
  • Protective devices: Because smoke, fire and security alarms decrease the risk of damage, customers with these protective devices pay lower premiums.
  • Superior construction: National General may charge less for homeowners insurance that covers a home of excellent build quality.

National General homeowners insurance FAQ

Is National General Insurance legitimate?

Yes. AM Best, the well-known insurance rating organization, gives National General Insurance a solid rating for financial strength.

Does National General Insurance have an app?

No, National General doesn’t currently have a mobile app.

How can I get a quote from National General Insurance?

To get a quote for homeowners insurance from National General, call the company or fill out its online form.

How much does National General homeowners insurance cover?

National General’s homeowners insurance covers a home and its possessions up to a predetermined dollar amount. You can add supplemental insurance if the base coverage isn’t sufficient.

Is National General homeowners insurance worth it?

National General homeowners insurance is worth it to those looking for affordable, basic coverage. The company’s comprehensive insurance is expensive, but premiums are much lower for customers who qualify for multiple discounts. We like that National General has 24/7 claims service and bundling options. The company is worth considering if you’re looking to purchase homeowners insurance.

National General Homeowners Insurance Reviews

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Page 1 Reviews 0 - 10
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Verified Reviewer
Original review: March 16, 2021

Worst company ever. They dropped me after I had black mold. They didn't even pay for the cost. The cost was around 10k and they gave me $1,200. I got taken advantage of. I was living in black mold and just kept getting the run around. Please beware of this company, they have all intentions on taking your money each month but they have no intention on covering you when needed. They find reasons that they can't cover your claim.

3 people found this review helpful
Verified Reviewer
Original review: Dec. 5, 2020

I have been a customer for couple of years for my home and auto coverage. I am glad I chose them for a number of reasons. The coverage is great and the price is what won me over. I like their customer service department. Very punctual.

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    Verified Reviewer
    Original review: Nov. 26, 2020

    I would avoid this company's insurance and go somewhere else -- the initial agent tells you what you want to hear with no recourse cos you will never speak to them again after signing up for a policy. After that, you are directed to a central customer service area who has no responsibility for the terms of what your signing agent has said. Also, not good versatility of your policy online, including cancelling it -- which is something you will likely want to do soon after signing up..

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    Verified Reviewer
    Original review: Sept. 14, 2020

    Had policy for a year. Price is unbeatable and coverage is among the best in the industry. Would recommend to anybody. No gimmicks. Friend got same policy and he got a response within days, not years.

    4 people found this review helpful
    Verified Reviewer
    Original review: Sept. 10, 2020

    PLEASE AVOID THIS COMPANY!!! NEGLIGENT!!! I live in Connecticut with my wife and two small children. Last month in August we got two major storms (hurricane like) and the damage in the entire state was catastrophic!!! I am afraid about my family acquiring respiratory diseases caused by mold and mildew since we have an open roof and water is coming in every time that it rains! I initiated a claim for our roof that got severe damaged by the storm and the nightmare started. They assigned an inside adjuster "BENJAMIN **" that assigned an independent adjuster "JEFF **" who took his sweet time to show up at our home to asses the damage. Mr. Jeff showed up two times for five minutes and left since it was raining. When he finally came back it was the weekend and he said that his report would be in no later than that afternoon.

    Monday morning I contacted Mr. Benjamin and he said that the report was in and he would call me back that afternoon since he had to go out in the field, that was three weeks ago and the only time I ever talked to him and since then I have called, emailed and sent text messages and nothing! I have called everyday since and probably talked to the entire claims department and no solution. Finally I asked to talk to a supervisor and they said that "DEBBIE **" was his immediate supervisor. I left a message this past Tuesday in the morning since her machine said that "she was out of the office", then I called back and another person that answered said that she was in the office and transferred me to her and again her machine said that "she was out of the office"!

    I continued calling yesterday all day and in the end of the day someone else answered took notes and "PROMISED" me that a regional manager would contact me today between 9am and 12 noon, needles to say "NOBODY" called me back!!! I called again and today a bit past noon and this time they gave me the name of the manager "SCOTT **" and said that he was right there sitting in his office and they transferred me over to him and guess what? His machine also said that "He was out of the office" so I left a message about three hours ago and still nothing!

    I just wanted to say that I have never ever been treated with such disrespect and that it has been over a month since the storms and our loss, we have lived under a tarp in the roof and dealing with leaks and God knows in what conditions are the insulation and the sheetrock. NATIONAL GENERAL INSURANCE as a company from the customer service people to the supervisor and regional manager has avoid any form of contact with us and has offered no help whatsoever for our loss! As I said before, we have two small children at home having to live under water damaged walls, mold and mildew and I only have the company to blame for negligence in case my children get sick!!!

    15 people found this review helpful
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    Verified Reviewer
    Original review: May 8, 2020

    This company is partnered with Progressive. They are one of the cheapest insurance products out there. And it shows. They are slow to respond to inquiries. And if you file a claim they drop you. I had wind damage from an old roof. The only claim that I filed. They decided to not renew my insurance. So they're fine taking your money, but the minute you need them they bolt. Stay away. Find something worth paying for.

    25 people found this review helpful
    Verified Reviewer
    Original review: March 16, 2020

    I would not recommend National General. They are shady on their prices and they change policy price increasing premium nonsense. After you have the policy, you have already cancelled your other insurance, no other carrier will take you since you have a brand new insurance you are hostage for months. I would stay away.

    20 people found this review helpful
    Verified Reviewer
    Original review: March 5, 2020

    This company is refusing to repair my car when their insured driver backed into because I was "there". Their first offer to me was a 50/50 split in reasonability and I had to go to the store to request surveillance footage of the parking lot, which they could have easily done before making a determination of the incident. Once I provided them with that footage they went, "Well we will say our insured is 80 percent at fault but you will have to cover 20 percent" because their excuse has become because I was there. Having to go through my insurance which has already determined the other driver is 100 percent at fault. If I could I was give them less then 1 star. I would say at least -5 star with the bs they have attempted to claim even after reviewing the video. It's a shame that companies like this can't be held more accountable.

    27 people found this review helpful
    Verified Reviewer
    Original review: Feb. 15, 2020

    25 years insured. Not one claim till the holy fire. Well I’m sure it really broke their firm. They were horrible to deal with. They made it seem as though they would cover all expenses during evacuation and they didn’t. They said all food and housing and they allowed a certain dollar amount per day on other outside household expenses. If you are staying in a house that you’re renting they will not cover anything that you buy two for repairs. They will not cover Any sort of cosmetic needs or cigarettes, liquor or even lunch. Or dinner for your family that moved you during evacuation!

    They are Penny pinchers and liars. Our expenditures were up Around $5000. We were reimbursed 3000 which included the Sanitizing and power washing from all the ashes that were toxic. They would not cover the air conditioning cleaning or the pool cleaning Service and we were told not to return until the ashes were removed because they were toxic. And they wanted to negotiate the rental fee where we were blessed to go stay. On a moments notice, and they Expected the landlord to complete as proof, a form That she needed to answer questions on and return to them before we could Be reimbursed. We never got any money upfront whatsoever. We were being criminalized and spoken to as though we should be in jail instead of back in our home that took us months to return to normal!! From the black soot.

    In mind this is a company Who knew they were not prepared to do payouts and the volume that they did I’m sure makes me wonder if they had enough in their own bank account to cover it all and We’ve been paying into it monthly for 25 years and we were treated this way only to receive a letter of cancellation in December due to their Company policy Of living in a fire zone!!?? I lived in this fire zone that they thought was a flood zone 25 years ago. There wasn’t a problem then!

    They acted as if we started the fire. Extremely unethical and rude behavior, this fire was the first fire in 100 years and it burned everything To the ground! What makes them think another fire will start again in black burnt down National forest?! I have no idea but it would be another hundred years even before Anything would grow back to burn!! No loyalty, No respect, no compassion for the Displaced-victims. So go to bed. Don’t ever move anywhere where you either have an earthquake or fire or flooding because they won’t ensure it or they’ll fit you like crap if you file a claim after 25 years.

    17 people found this review helpful
    Verified Reviewer
    Original review: Feb. 3, 2020

    Do not sign up with this company for homeowner's insurance. This has been my experience so far:

    1) Annual quote amount is confirmed and written in the policy. We agreed and signed up. (The only reason we went with this company is because they had similar coverage amounts and they were half the price of Geico's quote.)

    2) Within a span of 3 weeks while closing on our house, I had to call their customer service line close to 10 times because they continued to put my wrong HOME address on policy documents. (How can you mess this up?) They kept adding "East" to my town name, or their system did, incorrectly; but either way, it was not double checked and my closing company could not take the documents unless corrected. Their system changed my address automatically back to "East" of the town three or four times.

    3) A week after we moved in we received a letter in the mail stating our annual amount had gone up by $230. After calling, we were told that it was because they looked at the outside of the house and it was "nicer than expected".

    4) Last week, I received a voicemail from a woman from Mueller Inspections stating she could not find my house for an inspection (which I did not know was going to occur - nobody explained the process to me and after my cost increased the first time, I assumed that was the only time somebody was coming to my house). I couldn't pick up because I'm not able to take personal calls at work and I didn't think much of it. I figured they ended up locating it and everything was all set.

    4) A month later (today), I got a call from my Progressive agent, who signed us up for the policy through National General, stating that my homeowner's insurance policy is pending cancellation effective March 20th and I need to call them. After talking with National General, the CS Representative said that my inspection has been re-ordered (could not give me an explanation as to why I wasn't contacted by phone by National General) and if I had any questions I could call Mueller Inspections directly.

    5) I just called back the woman who called me last week and apologized for not being able to pick up. She told me that National General gave her the address of "East" town and it took her on a back road. YET AGAIN, their system has incorrectly added "East" to my town name and now it's being dispensed to other companies incorrectly. National General ordered an inspection, gave the inspectors a wrong address, cancelled my policy without calling me and telling me why, and has also now still not changed my home address.

    I will wait until this inspection is completed, but I am guessing that based on the crap storm this has been, that National General will increase my price. At that point I'll be cancelling my homeowners insurance with them because this much stress is not worth dealing with a shady company like that.

    24 people found this review helpful
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    National General Homeowners Insurance Company Information

    Company Name:
    National General Homeowners Insurance