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National General Homeowners Insurance
National General Homeowners Insurance
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(844) 284-9132
Overall Satisfaction Rating
3.84/5
  • 5 stars
    25
  • 4 stars
    6
  • 3 stars
    4
  • 2 stars
    1
  • 1 stars
    7
Based on 43 ratings submitted in the last year
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National General Homeowners Insurance

ConsumerAffairs Accredited Brand

At National General Homeowners Insurance, we care for you, your family and your belongings. This is why we offer quality insurance coverage and a variety of coverage options in order to find the one the best suits your needs. Contact us today to learn more about our coverage options and discounts available!

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43 National General Homeowners Insurance Consumer Reviews and Complaints

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Page 1 Reviews 1 - 30
Rated with 1 star
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Verified Reviewer
Original review: Oct. 30, 2018

National General sent a notice of cancellation based on the incorrect assumption that my house was vacant. They could have easily verified that I live in the house. Instead I had to prove that I reside on the property. There was no explanation, no apology for my stress and inconvenience. I won’t be renewing this policy.

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Rated with 1 star
Verified Reviewer
Original review: Oct. 23, 2018

My parked car got hit by someone that has National General Insurances, and I’m having a bad experience with this insurance company. They will not cover the full cost of the car rental. They have their own prices range of how much they will refund you back, and on top of that you are responsible for the cost of the rental up front and then they will refund you back, well that’s what they said. They also want me to put my own insurance on the rental.

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Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Oct. 19, 2018

I used National General before, so I got a home insurance policy through them. As far as their professionalism and courteousness, the customer service reps have been good. They've responded very quickly. Also, the amount of coverage provided in my insurance plan is fair. I would recommend National General.

2 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: Aug. 22, 2018

I used a lot of insurance providers over the years. I was with Progressive but there was a contractual problem with the company I was with and they weren’t writing policies anymore through Progressive. So Progressive steered me to National General and I got a home insurance with them. The rep I had for the initial policy questionnaire wasn’t the most knowledgeable but the interaction we had went okay.

The amount of coverage on my plan was a little less for more money than what I had before. But it was only $20 or $30, so it wasn’t anything to make a federal case about. I was relying on the agent to steer me through all the different coverage options but she didn’t seem to have a grasp of the whole picture so I just let her do her thing. She said that she was gonna email me a copy of my policy and then she was gonna email me something else. And I never got an email from her at all so I was disappointed. I wanted to get a copy of the policy right away rather than wait for it to show up in the mail, but they didn’t send it.

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5 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Aug. 20, 2018

After paying my policy in full each year thinking I had proper flood insurance, I was notified that the Houston Harvey "Event" was not a "flood" which was covered, but it was a "Substantial Rain Storm" and that is NOT covered and thus the claim was denied in its entirety. Then the went up on the renewal from $2650 to $3599. That was enough, changed to a better provider, with better coverage's and a policy with far less provider exit clauses as National General used to not pay any claims in Houston. The new providers premium is $1520. I would never waste my hard earned money with a company like National General.

19 people found this review helpful
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Rated with 3 stars
Verified Reviewer Verified Buyer
Original review: July 26, 2018

I got coverage on my duplex and the National General insurance guy who I talked to was nice until the very end. He won’t let me read the statement and wanted me to give my name. I heard the statement and I told him that if he made me do the same thing and give me a statement, then that will be great. When one buys stuff over the phone and then gets hit with this, “Well, I need you to listen to the statement and say you agree with me and give me your name,” that tells me people are lawyering up and they think one can get it. Yet I still ended up going with them because I needed to get something done at that point. I gotta have insurance and I can’t not have it. It’s just a necessity. I got it and the amount of coverage provided is minimum.

9 people found this review helpful
Rated with 3 stars
Verified Reviewer Verified Buyer
Original review: July 19, 2018

I saw a National General Homeowners Insurance ad on the internet and gave them a call. Paul, the rep, was a professional guy. He answered all the questions that I had and walked me through the process.

3 people found this review helpful
Rated with 3 stars
Verified Reviewer
Original review: July 18, 2018

Everyone has a situation, so not going to bore you with the details of that. Just know, I tried to cancel my daughter's car insurance with National General because my daughter has been deemed incompetent due to her mental illness and granted me guardianship over her. I received Guardianship papers in May 2018 and I felt due to her illness driving would not be a option for her anymore. Fast forward, sold her car, turned her tags into the DMV. Called her agent with NG as a courtesy to let them know all measurements were done, cancel insurance. NG agent wanted a copy of the guardianship papers with good right to cancel insurance. No problem, scanned over.

Here's where the story gets frustrating, the agent wanted to go around and around with me as to why my daughter needed to call and cancel instead of me, her guardian, awarded by the state with proof of that. Wanted more explanation as to why she can't call herself and why. After having to go into painful detail once again as to why, she then says, let my manager call you... really?... so I can explain this again? No thanks. Here's the beautiful twist. Called the Customer Service representative, Emily. what a breath of fresh air. She was kind, she listened and very understanding. Got the cancellation DocuSign via email, electronically signed and went back to bed to retrieve sleep for my next shift. Thank you, Emily. And thank you National General for having some people on staff that will hear, listen and react positively.

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8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: July 16, 2018

I just canceled my National General Homeowners policy (through GEICO) after receiving notification that their home inspection found the replacement cost to be $200,000 higher than 2 months ago when I signed up for the insurance. The inspector took his (faulty) measurements over those on file with our town (my house is only 12 years old so all the assessment data is current), overstating our finished square footage by 850+ sf.

He added a 1/2 bath that doesn't exist. He guessed (incorrectly) at our electric service (it's 200 Amp, he said 150), although the house is 12 years old, he said everything but our electrical panel (roof, furnace, plumbing, etc.) was under 5 years old. The errors go on and on. The additional replacement cost upped our policy by $249 - and it would have automatically increased annually if I hadn't canceled. This inspector pulled numbers out of a hat when determining costs. Most importantly, properly insuring a dwelling is the responsibility of the owners, not the company.

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11 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: June 23, 2018

I have all of my insurances through my agent and she farms out my accounts to different companies. I've had plenty of coverage and one of those companies that provide insurance is National General. Having my insurance though has never been about a better sense of security. It has been about meeting requirements 'cause if it weren't for the requirements, I wouldn't have any insurance. I don’t have National General anymore though. It didn’t work so well. There needs to be better coordination and better communication from the agent trying to streamline and simplify the whole process. We don’t have claims. All we have are policies and bills, and the bills get confusing.

9 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 14, 2018

I have a travel trailer and I got an auto and trailer insurance from National General. I interacted with the reps pretty well. They explained everything and gave me a good rate, and I liked that. The amount of coverage provided by my insurance plan is fine. National General is a good insurance company and they’re cheaper than the previous one I had.

2 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 12, 2018

Home inspection was done after policy was in effect. This revealed a Stab-Lok breaker panel and they cancelled my policy without giving me any opportunity to replace the panel. They just left me with no coverage. They didn't care that my home was at risk for a complete loss, a total disaster. I have never dealt with this kind of inconsiderate nincompoops before and would not recommend them to anybody.

25 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: June 9, 2018

National General Homeowner’s Insurance had a very good price compared to a lot of other ones. I've had RV insurance through them and now most recently we did homeowners. But I would like them to have one deductible for whatever the claim is. There's another insurance company that we were looking at and they said that they have $1,000 deductible for everything whereas, with National General, the deductible is a percentage. Other than that, the customer service reps that I've dealt with have been very pleasant, knowledgeable and helpful. And I would still tell people to give National General a try.

7 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 7, 2018

National General raised my premium, only 2 months into the coverage, saying that my home was "under insured" at 194,000, increasing it to 255,000. I only paid 90,000 in 2013.

5 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 7, 2018

I purchased a home and I was directed to National General through my Progressive agent. Adam was the name of the agent I went through on the phone to get my policy set up and he was very helpful. Then, a man that came over and took pictures of the house. He was very nice and very polite. It was a great overall experience and with the amount of coverage provided on my insurance plan, I feel like I got set up right where I need to be.

4 people found this review helpful
Rated with 4 stars
Verified Reviewer Verified Buyer
Original review: June 2, 2018

I originally had Liberty Mutual for my home but their price kept on going up and I couldn't do it anymore. I had been meaning to switch to National General for a while and a couple of months ago, I got home and auto insurance through them. With National General, I get auto and family discounts because National General used to be GMAC and you can get GM discounted cars and employee discount.

The National General representative I worked with was professional and kind. He walked me right through everything and made things easy. The amount of coverage is also perfect. When I filed an auto claim, they came out to the house and did their thing to my vehicle. I told them where I wanted to go and it was done. With my National General home insurance, I don’t stress about the decrease of my overall escrow with home mortgage. It saves me $400. Most insurance companies – medical, home or auto – are all for the dollar anyways. But National General seems more stable, such that they don’t wanna take advantage of the customer quite yet.

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4 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: June 1, 2018

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 insurance, and they were always very courteous, kind, and polite. They were very efficient as far as that goes. I feel secure because I'm covered and safe. I'd recommend!

4 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 30, 2018

I used to have Mercury, but once I checked into National General, I found that Mercury was way high. I also used to have AARP, which was also really high. I noticed that all these companies, after the second year, start raising prices up and if it's taken out automatically, people don't notice it. I talked with some kid from National General and he was really cool. He said to call if I needed anything. I have auto and home coverage with National General. But I have a 2006 car, with only 17,000 miles, and which I keep in the garage and use in going camping for a month out of the year, that I would like to see full coverage for that month I go camping. Then I’d take it off once the month was up. That way, if anything happened or I wrecked it, I could get it fixed.

5 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 25, 2018

I obtained a home insurance policy from National General Homeowners Insurance and I very much appreciated and enjoyed the experience I had with them. Prior to using National General, I had purchased from another insurance provider through an insurance broker that I've been with for 13 years, ever since I’ve been in Colorado. But the cost of that prior insurance kept rising and I didn't have any claims, so it didn’t make sense to me that it would continue to rise. I found out how uncompetitive they were after talking with the new company. Price was 100% the reason why I chose National General.

It has all been pleasant with the reps at National General. I dealt with the gentleman who gave me the quote. There was also a very pleasant gentleman who came out and did a brief inspection of the exterior of my home. The amount of coverage provided in my insurance plan is exactly what I requested, so it’s all there. I got a quote from them for including coverage on my umbrella, but it wasn’t competitive to what I currently have. Nevertheless, I’ve already recommended National General to a few people.

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3 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 25, 2018

We had USAA and they dropped us after an accident. At that time it was National General who received us. Then we ended up switching our home insurance as well. They offer more coverage for the money and the customer service is good. We've had one claim with National General.

3 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 24, 2018

I've had my car insurance with National General for over 15 years. I'm at a flat rate and I don’t pay as much as a lot of people do. I've had full coverage on my vehicle and their coverage is pretty good. Also, whenever I call them, they really answer my questions. On the other hand, I also obtained a house insurance, and I had somebody touring the house and they canceled my house insurance due to the electrical panel, of which I'm getting taken care of. So, I don’t have a house insurance right now due to that. Other than that, I have recommended National General to other people.

3 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 23, 2018

I tried getting an insurance for my home from National General Homeowners Insurance. However, I didn't qualify and I got a letter of cancellation. They said I needed to replace my roof and my chimney. Nonetheless, I understood where they were coming from and I would still recommend them. Also, their reps were very professional and very friendly.

2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 22, 2018

I got a National General Homeowners Insurance for my home which I purchased over the phone. The amount of coverage was good and the rep has been very helpful. He answered my question and he went step by step with everything. National General Homeowners Insurance is great and I like it.

2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 21, 2018

I had inherited the car from my mother and I just went to her insurance agent, Southern Land insurance in Hendersonville, North Carolina, and told them I needed insurance. I had two kids who were new drivers and explained the situation to them. National General Insurance was the insurance they found for us. The customer service representative was very helpful because, at one point, we realized we got a North Carolina insurance because that's where the car was registered at the time of my mom's death.

And then, as our daughter started driving back to North Carolina to do the car registration, we realized that if she was gonna keep the car up in Virginia in college most of the time, then she won’t be covered on the North Carolina insurance. So, we switched it to Virginia. And when I had to call up National General Insurance and ask about it, it was an easy process of them transferring me to a Virginia rep, and that person walking me through it found it much cheaper up in Virginia as it was.

As we gave them the names of my husband and I and our driver's license and the two kids that were new drivers, everything went really well. They told us how, in Virginia, they take all drivers’ history into account and because my husband and I had such good driving records, it made it lower in Virginia. In 2015, our son was moving to North Carolina for his job and was taking the car, so we again called National General and said that we were moving the car back to North Carolina. And again, they were very good about getting it switched over in time for him re-registering the car. They were very good in helping walk our children through everything they had to do.

And then at the same time, my son bought his own car this year. Again, we had to have it changed and he decided to go with National General because he had good experience with them, although he has never had a claim. They registered his new car for him and have insured it. During the same telephone conversation, he handed the telephone to me and I re-registered the insurance part back to my husband and I's name. The guy walked us through it and he was very helpful. So, all in one phone conversation, they were able to get him insurance for his new car and us the insurance in our name for the car that has always been insured.

We have super-loyal premiums right now and come July when it's up for renewal again, we'll be switching it back to Virginia because we're leaving it with our two younger children while we go back to Germany. We'll have that whole process too. Our car is so old and the coverage is minimal. If we come back in retirement in about eight years, we would probably check in to National General as a coverage. We haven't had any claims to know what that's like, but as far as customer service and changing from one state to another and all that, it went very well.

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2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 20, 2018

I got a home and an auto insurance from National General. Prior to them I used Allstate, and National General is cheaper, so it is better. My few interactions with the customer service reps have been good. They were nice on the phone and easy to get along with. The amount of coverage provided in my plan is enough for me. I would recommend them.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 19, 2018

We used National General for our older house and when we built the house we have now, we used the same company. When we needed some paperwork, they definitely followed through. They sent us the information that we needed and we were able to get that part done. Also, the coverage they provide is just enough.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 18, 2018

I have a home and auto insurance through National General. They were GMEC when they started out and my husband had worked for GMEC for so many years. My previous provider was too high and they didn't meet the needs that I have like adding a car. I like the service of National General better and they have been very helpful along the way making my life easier. They make it easy to pay my bill as well as to get my papers back and show that I'm insured. Also, the representatives are very good.

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Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 17, 2018

National General had the best rate, so we had our RV and home insurance with them. We had our RV with Progressive previously. And when we changed the RV, we wanted to see if we could get a better rate keeping the same coverage. So when we looked across the board, National General came in exceedingly less. So, we chose them. They also gave us a decent discount for our homeowner's insurance. They also gave us an extra discount on the cars, not the RV. We were really pleased, even the realtors and lenders. They said the rates were amazing and that the average price for Homeowner's insurance in this area was $1,200 and National General quoted us less than half that.

Unfortunately, you weren't able to do the same thing for a Prius. So the Prius is still sitting with Progressive for the time being. If they can match or beat their offer, we'll be putting them all on one policy. Overall, their reps were highly professional. Everything went smoothly. The rep emailed the binder rate over, all they had to do is plug it in to the closing cost and the bank sent them the funds and I've already gotten my declarations documents and everything for the house and it worked out really well.

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2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 16, 2018

I had my other insurance company for seven years and this year I decided to switch to National General Homeowners Insurance because I was told that if I move my house insurance, I would get a discount. I liked it, so I switched. So far, I'm satisfied with them. Their customer service agents were knowledgeable. One time, when they tried to adjust the rate for my home, I called the 800 or 888 number from the statement, yet it wasn't the right number. I'm confused but I understand the company has many other company and everyone has a different 800 number. Other than that, I'm okay. I already recommended someone to them. He was looking for a new home insurance and he liked it and he thanked me for that.

2 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: May 15, 2018

I got a rental and auto insurance from National General Insurance. Its policy was higher than Century 21 that I had in the past. However, Century 21 no longer provided services for Ohio and Cincinnati. Also, the reps from National General Insurance were very ice. I also have a dime that probably needs to be insured. But I don't think it is included because of the volume. I don't know if that would be an addendum but I'm assuming it's concluded for $4,000.

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National General Homeowners Insurance
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