National General Homeowners Insurance Reviews

Paid for a month ahead and when I ended my policy they kept half of the next month's money they owed me. Total scam. Couldn't imagine filing a claim with them. Cheap for a reason!

This company abuses their strong hold on clients. They will charge you for ever without a problem they will collect your money. Once you place a claim they will turn the tables on you and deny your claim by any means. Note this is an All State Insurance Company. Beware They are affiliated. Run Run Run. Don't fall victim of these thieves.... One star because it's the only way they allow your review.

Please customer, do not insure your car with this company; it is the worst insurance company in America. My husband made the wrong decision and insured his car with them in July. When he did, they charged him $400 for six months. No problem there. Then, a couple of weeks after, they asked him for proof that he was not at fault for the accident that happened. He sent them the details of the police report that stated he was not at fault. They were not satisfied with the police report. They wanted my husband to get more paperwork from the insurance company about what percentage of fault he had, when there was none on his part.

Took them over 7 days to start covering the hotel after our home fire that left our home uninhabitable. Then on the 7th day got a call from Sedgwick temp housing that’s who National General used and was told that I had 15 mins to check out or switch it to my card. Then once I got ahold of insurance adjuster he said must be an error on there side but did nothing to cover payment for the past 2 days. I would run away from this company. It’s terribly unprofessional.

Hello. I received notice in November 2024 that National General was cancelling my insurance (I do have a screenshot). I was forced to find an alternative and when I did-I notified NG and ceased policy a week before NG ended my policy. NG only refunded me $50. This should have been a $125 refund (I only had this ins for 2 months (12.50 per month=$25). This is not my fault for cancellation. NG cancelled me and I am entitled to full refund of $125. Keep in mind cancellation notice from NG was due to them not wanting to insure my LSV and they notified me one month into policy.

We had National General for a 6 month period, found cheaper insurance with a different company and cancelled our policy. My new 6 month policy renewed before I found new insurance. Once I did I called and canceled before my next payment was due. My old policy ended on August 28th and my new policy with the new company started September 5. So they hit me with a $50 cancellation fee, plus took my full monthly payment. I basically paid $100 for 8 days of coverage. My monthly payments were $54 a month. I also cancelled my homeowners and auto with Allstate the same day in the middle of my policy with no problems, no cancellation fees. Even got my prorated money back. National General only cares about money. I’ll switch back to Allstate, but never to National General who is a part of Allstate.

This is absolutely the WORST insurance company I’ve ever had in my 46 years of living. I was reluctant to even go with them because I’ve never heard of them. I had a recent increase with State Farm due to a teen driver and was shopping around and found them. I wish I never did and I should have trusted my gut. After my insurance was written they forced all of my drivers to use an app but didn’t tell me anything about this app until after I paid. Mikayla the person who wrote the policy was crazy calling me day and night to get the policy started. I felt very pressured by her, but never heard from her again after that. You are basically left hung out to dry with this company. The customer service is terrible and they don’t know anything ever when you call or email.

I was painting my White House while doing this, I noticing multiple hail dents in the siding, where I live the past few months had multiple hailstorms. I called to make the claim, they asked me what date it happened on. You can go back and listen to the recording that I stated it happened a while ago when one of those hailstorms came through. I just noticed because of painting the house. They send a inspector out. When he called to set it up I told him I have a contractor that should meet him. I asked if I needed to be here.He said no, I also informed him that it was perfectly fine for him to go into the backyard to inspect the house. When I got home that evening, I texted the inspector asking him how it went. No response waited a few days text again.

Their client clearly rear ended us and we provided evidence that they want to say is not clear evidence. They are denying doing the right thing. So if you want to go around and just hit people and deny you did it.... This is your company by far.

National General has been extremely difficult to work with. After we opened up a water damage claim, we were unable to get any further response from National General after several phone calls and several e-mails, which they blame on a problem with the restoration contractor they hired, for whom we have no contact info. There is no follow up. I have had a claim outstanding for months with no action taken.

Absolute nightmare! We have 2 claims! One open over a year! Paid all ALE out of pocket with no reimbursement to where we used all savings and credit! Tossed contents without payment! Constant abuse!

The absolutely worst company I have ever dealt with in my entire 58 years on God's green earth. Worst customer service ever and claims people are absolute idiots. Rates were cheap but service and your repairs will suffer

National General did an appraisal on my house and increased the square footage. They did not send me a report explaining why and my bill increase by $60 per month. We bought the house 13 years ago based in the square footage it has always been listed as since 1960 when it was built and what the deed says. National General has decided to increase it even though no other insurance company has ever done that. Time to find a new company!

We were recommended this homeowners insurance through our lender. We had a water leak in our upstairs bathroom which leaked down through our downstairs bathroom. That was a month ago and they still have not even started the repair. Melody M** is a horrible claims adjuster. She is rude to all the contractors and to us the clients. All she has done in a month is send out 3 different inspectors to verify the leak and pay to have the our bathrooms demolished. DO NOT USE THEM!!!

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.

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.

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..

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.

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.

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.

Stay far away from this company. I should have read the reviews first. I dropped a vehicle from them and lost my multi-vehicle discount. So they raised my premium which was expected, of course. So I paid the increase with no problem of $29 dollars. Lost my Debit card in Walmart so I cancelled my card, of course not realizing that was the card for my autopay. So they cancelled my policy without me knowing. Three weeks later I received 6 letters of cancellations in one day to my surprise, I had been cancelled. Called them and renewed my policy with my new card for autopay. Now they raised my rates another 35 dollars for no justifiable reason. When I asked why the increase the rude rep could not give me an answer. I have now come to realize that all insurance companies are nothing but a group of racketeers.

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.

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.

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!

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

I recently experienced flooding in my basement due to sump pump failure. Stephanie from the claims department was incredibly accessible, responsive, and helpful walking me through the process. Because the dollar amount of the claim exceeded the policy limit, NatGen absorbed the deductible AND compensated me for removal of damaged items from the basement. The proverbial icing on the cake was receiving a physical check overnight! Start to finish, the entire process took nine days! NatGen made the unpleasant experience of a flooded basement considerably less unpleasant! THANK YOU!

I had National General Insurance for almost 2 years and I wish I never ever gave them my business. I attempted SEVERAL times to contact them regarding my policy and NEVER received a response. Once I absolutely needed to get a hold of someone I had to wait on hold and get transferred THREE times to finally get to the right place. I then cancelled my policy because I was so dissatisfied with the whole experience. Best part is they have a sneaky cancellation fee they COMPLETELY FAIL TO MENTION among the many phone call transfers and run around. I then called to complain and the man in billing couldn't even get me through to customer service! ABSOLUTELY RIDICULOUS!! Someone needs to stop this company!!

This company is a rip off. Shakirara ** works at the claim department and her phone # **. My wife got into a car accident with a drivers who has National General insurance. According to the crash report it was other driver’s fault and our car being a total loss. I got a rental car for 3 weeks until we bought another car. I sent her the invoice to reimburse us but she said we only pay for 1 week in the amount of $210 which means $30/day. This is unfair and unacceptable. I will file a lawsuit soon.

National General is a rip off. Sure, they will provide you with a policy and collect from you your premium every year, but the moment you file a claim, boom, you get a non-renewal agreement. Furthermore, I asked for an extension on my policy while the repairs were being done to my house as my policy date ends prior to the repairs being complete. They denied and I cannot obtain insurance while my house is under repairs. I also found out that if you have a claim over 5K for whatever reason, they will cancel you. I highly recommend avoiding this company.

Terrible insurance company to deal with for a claim. When I called to report the claim, which was for damage caused by a drunk driver, they said they'd pay for the damages and I would not have to pay a deductible. They were supposed to pay me, then get reimbursed from the driver's insurance. They underestimated the repair charges and told me they wouldn't pay for anything since it was below my deductible. Also, very rude Claims specialist (Michael **) and assessor. The company is based in New Jersey, so what do you expect. I signed up for this insurance through Progressive since I had my auto insurance with them. BIG mistake. I had no idea who the company was going to be...I thought it would be Progressive. I'll be switching to a better company now.

The process has been a mess from call 1. With the last interaction, it was nothing less than deceit. I hope my worst enemy doesn't use them and neither should anyone else. For example, when I provided comparables showing their offer was too low, they included the comparables, but didn't adjust the amount $1 either way.

National General has sent me a "CA Homeowner Notice of Non-renewal" - supposedly due to unacceptable wildfire exposure. While I sympathize with the company - to a degree - due to the assumed financial loss they endured due to the devastating wildfires in California during the last two years, I condemn their policy of non-renewal due to wildfire risk for responsible customers NOWHERE NEAR ANY AREA OF RISK. Our home sits in the middle of many "master planned communities" in Temecula, CA, in green belt areas surrounded by 1000's of homes far removed from the closest brush area that could be considered risk areas.

Did online, paid for 1 year. They canceled insurance after 1 and 1/2 months, because when their person came out to take pictures of the house and I wasn't home the person wrote down I had a bad roof, and loose shingles. Funny since I have a metal roof with 50 yr warranty!! Total BULL and 7 days to find new insurance!

Don't believe the fake news and reviews on other sites, I have National General Insurance, which used to be GMAC in which I financed my Chevy HHR through (No interest loan and once a year they would let you miss a payment if you were having rough times) which is now General insurance and I couldn't afford auto insurance if it wasn't for them. Thank God, I also run a ethical and Honest plumbing biz so for my commercial business insurance I tried AllState so I have compared service and everything when I got in a fender bender in my work van and my car, and both companies took the same amount of time to get estimate and approve work, so the complaint I read here about someone waiting a week is nothing. My brother in law is with Mercury and he's been waiting weeks for them to get the police report. So save yourself over a $1000 a year at least by going with National Auto Insurance.

I been paying for insurance for National General for years but now thats it's time for them to pay me back they are taking their time. They are quick to take the monthly but if your car gets damaged you're basically ** for quite some time. My car got hit over a week ago and this company is still looking for an estimate. So if you want to be carless pick this company.

I was rear ended by a National General Auto Insurance client. They sent a claims adjuster out for an estimate of damages. They sent a check immediately for the amount way below the actual cost of repairs. I contacted my insurance agent Mercury Insurance who got on it immediately after my call. They advised not to cash the check and I assume they worked out the details with National. I had an out of pocket expenditure of $240.87 for a rental car because the repair took 9 days to repair. I had to request for the reimbursement a few times before they even responded, after many weeks they finally sent me a check for $179.52 which of course is $61.35 less than my out of pocket. That was more than a week ago. I have called, left messages and still no response. I am running short on patience at this moment. I have to say, I will definitely not recommend this company to my worst enemies.

In March 2018, I was living in a condo and the person a couple doors down from me forgot her bathtub was running and went to sleep. I woke up to a soaked carpet in my bedroom because her water had been running for several hours and it seeped under the walls and across two units. I submitted a claim to my insurance company at the time (USAA -- who were very helpful), and then because my building's insurance covered the cost of the carpet being replaced, I didn't end up doing anything else with the claim at USAA. No money was paid out. Also, the incident wasn't my fault. Come to May 2019 -- I move to a house and purchase National General Homeowners Insurance. Then I get a notice saying they're cancelling our policy in a month because of a previous water claim, even though no money was paid out.

I was referred to National General by my real estate agent. From the start it was bad. They gave me very good prices but when they charged me everything was way higher then what I was quoted. When I requested a new agent I was told they don't do that. I have to stay with the one who signed me up. After my policy took effect they sent me a list of dogs that I was allowed to have have at my house and if an adjuster visited my home and seen a dog not on their list they would immediately cancel my policy and I would be still have to pay my yearly price. Which of course I would sue them if they tried.

National General Insurance is practicing some questionable acts towards consumers. The company needs to be investigated. Contact the news media and the insurance commissioner's office. Hold them accountable for their behavior.

I obtained an RV insurance through National General. It's like a trailer that is not really an RV, but that might be the same in their book. I also use National General for my auto insurance, so I just added the insurance for my trailer. But when I read my insurance plan, I didn't know if it made 100% sense to me. It said something like 3,000, but I'm trying to figure out what that is. The customer service representative was great. She was helpful and knowledgeable. She crunched numbers for me and that was fast and easy.