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National General Homeowners Insurance
National General Homeowners Insurance
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(844) 284-9132
Overall Satisfaction Rating
2.96/5
  • 5 stars
    23
  • 4 stars
    5
  • 3 stars
    3
  • 2 stars
    2
  • 1 stars
    16
Based on 49 ratings submitted in the last year
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National General Homeowners Insurance

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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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54 National General Homeowners Insurance Consumer Reviews and Complaints

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Page 1 Reviews 1 - 30
Rated with 1 star
Verified Reviewer
Original review: Jan. 19, 2019

It's been over two months since my home burned to the ground in the Camp Fire. I have been lied to and given the runaround by many different representatives from this company. First they only want to give me half of what I insured my home for. And then they told me they would send the check out the next day. That was NINE days ago. I now have to get an attorney and file with the California insurance commission. Everybody I know from the area has been paid and are trying to move on with their lives. DON'T BUY FROM THESE PEOPLE.

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Rated with 1 star
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Verified Reviewer
Original review: Jan. 18, 2019

I shopped around for quotes through Geico, and this company made a binding agreement without my knowledge or consent. They drained our escrow account after I had told Geico multiple times that it was simply a quote. Geico even sent an inspector out to our home and I informed them that we went with Allstate. Our mortgage company called to inform us that this company had taken money from our escrow account. I am so upset, as I never authorized this or signed any agreement with them. They are very scammy. They get all of your information and process it without your knowledge. BEWARE. We are in the headache of a process of getting a refund at the moment.

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Rated with 2 stars
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Verified Reviewer
Original review: Jan. 1, 2019

Our home burned completely in the Camp Fire Disaster. National General initially gave us $3,000 to live on, after contacting them again and demanding more, they sent an additional $10,000. They are always very pleasant on the phone, but nothing ever comes of it. One delay after another, one excuse after another. We had to itemize everything in the house, even after the Insurance Commissioner strongly urged all companies to pay in full without itemization for this disaster. Still waiting... Meanwhile, we have nothing and cannot move forward without our settlement.

6 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Dec. 29, 2018

Our house burned down and National General hangs up on us... So my husband and I just got married and he has National General for his insurance. We both had a house prior to the marriage and due to the fact that his job site was two and a half hours away from his house he stayed at my house during the week and 3 weeks ago we lost his house to a fire. Well National General is telling us now that since he didn't notify them that he was working away they aren't going to cover anything! None of the stuff in the house and none of the mortgage... Good thing he paid them for house insurance the last 5 years. The people we have dealt with have been rude and hang up on us, it's a complete joke!

5 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Dec. 26, 2018

I had a slab leak cost over $8,000. I got the repair done like you told me. I got a Check for only 1417. You are evil and lying insurance company. I am get a lawyer involved so you will pay out. They gave me the run away to get estimates to get the job fix and they did pay out and I DON'T UNDERSTAND WHY I HAVE INSURANCE!!! If you don't paid out for a claim.

4 people found this review helpful
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Rated with 1 star
Verified Reviewer
Original review: Nov. 28, 2018

Consumers beware of this company. After I signed an agreement with them and paid a set premium, they raised my premium without any additional signed agreement from me, and as a result they took the money out of my escrow account leaving me with a shortage. They did this 4 months before the policy was set to expire. I had no idea they did this, until bank reviewed my mortgage. No signature, no consent, no difference in policy was ever explained. DO not do business with this company.

10 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: Nov. 26, 2018

I shopped around and received a new homeowners policy from National General Insurance after my previous agency ceased to carry homeowners policies. While out of the country on a medical emergency for my mother and into the first month of coverage, National sent me a letter that they would be canceling my policy if the roof didn't get replaced within 30 days. I contacted them 5 days of receipt of this letter (my wife was home) from Europe, explained the medical situation I was in. I asked them to work with me and extend the cancellation for a couple of weeks before I returned to the States and the roof would be replaced. They (underwriters) refused to assist me with my request even though I suggested to send them quotes for a new roof. I even called them when I returned to reconsider but they refused again. DON'T USE THIS COMPANY!

6 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Nov. 22, 2018

A pipe burst in my basement causing a 3 foot deep flood. I had recently moved in and all unpacked boxes were being stored there. My home insurance was paid in full for the year before I moved in. Initially, I was assigned an adjuster who contacted me quickly and spoke to me for a good amount of time explaining that I needed to document all of the repairs and items lost with photos and detailed descriptions. I felt good about our initial interaction, but it all went downhill from there.

First, it took over 2 weeks to get the adjuster to come to the house to do the inspection. He had been adamant that we not throw away any damaged items and could store it all in black plastic trash bags temporarily. It was hard enough going through all of my personal items lost and recording them. Then, to have all of my wet destroyed items sitting and molding in bags for 2 weeks was extremely unpleasant. I could not get a hold of the adjuster via email, phone, or text and after 1 month, they paid a portion of the plumbing bill. I was able to get my adjuster's manager's contact info and tried to get her involved. They still have not paid the water restoration company, even after they submitted invoices 5 times, and had tried to contact my adjuster and his manager at least a dozen times. Now, I am having to pay that out of pocket to the tune of 4k+, as the bill is over 60 days past due.

Also, they keep delaying the "review" of my personal items lost claim. It has been 10 weeks since I started this claim, and I'm preparing to take legal action. I have never been so distressed and frustrated with an insurance company like this before. It has been such an emotional process as I lost many irreplaceable things (including my wedding dress, photos, antique linens I have collected over 20 years, etc.) The insurance company deals with loss as their business, so how is it acceptable to ignore your customer, ignore their loss, delay processing of the claim, and put me in a position where I have to pay large sums of money out of pocket that they have agreed to pay directly to the restoration company & plumber.

All in all, this continues to be a horrible experience, and I just want it to be over and done with. You can be sure that I will warn off all family and friends from using NatGen insurance, and I hope you will stay away from them as well. They prey on unsuspecting people who believe they are safely covered by purchasing their home insurance, and make the process so difficult in the expectation that you will give up.

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

I was notified by National General that they purchased Century National who handled our Bundle Policy for Home, Cars, Earthquake and the Umbrella policy for the last 22 years. The new rate increased 35%. After several calls speaking to supervisors and underwriters I was told that National General rates are just higher and we were welcome to shop around. So on that advice we shopped around and found an even better policy for 30% less than the new rate National General invoiced. Their Business model of buying other insurance companies and then increasing those existing policy holders 35% drove this loyal customer to a competitor.

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

I was never supposed to have a policy with this company. They got my information from a company I had canceled my policy with and without my knowledge or consent created a policy and took money from my escrow. It has been a month since I contacted the company and demanded they cancel that policy and return the money they took without my knowledge or consent and they still have not returned my money.

6 people found this review helpful
Rated with 5 stars
Verified Reviewer Verified Buyer
Original review: Nov. 16, 2018

My National General insurance plan's coverage has a lot of flexibility. Also, it is much better than my previous provider. The rep I interacted with was very friendly, helpful and he went above and beyond. When we started talking, it was past his work time and he ended up staying late to work through it. There had been some issues and he followed up and we worked it out the next day. He was very professional and very gratifying. I would recommend National General.

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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.

8 people found this review helpful
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.

5 people found this review helpful
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.

3 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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6 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.

22 people found this review helpful
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.

11 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.

4 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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10 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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13 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.

10 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.

8 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.

7 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
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