National General Homeowners Insurance Reviews

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.

Got in to a small accident, wind blew my door out of my hand and hit a parked car. In dealing with claims they asked if I lived with any children over the age of 14. I live with my girlfriend and her two older children and told them. They then added them to my policy without saying anything and sent me a bill for $300. I called them, had to sign an exclusion form stating that I'm the only driver of my car and send them proof that the kids are on another policy, done, right? Nope, they then proceeded to send me a bill for $150 saying I was late in providing that information, however searching all of those emails there was no date specified to provide these items, which I provided immediately, within 2 days. Insurance feels like a scam in the first place, but these guys prove it. You might save a few bucks, but in the long run these people could care less. They would rather see me go than drop their mysterious $150 charge. Shop elsewhere.

On July 26, 2018 our house was destroyed in the Carr fire in Shasta County. It has been 8 months and they continue to delay the process of us restarting our lives. In just the last 2 weeks my claim has now been in the hands of 3 different adjusters at that company. I have been requesting an update as to the status of my claim since 3/19/19 and have yet to get an answer. After having our house and everything we owned destroyed in a fire, this company has been nothing but stressful in the process of attempting to rebuild our lives.

I got hit on my motorcycle by someone who is covered by this company. 100% their fault and that was agreed on so easy process right? Wrong... Auto claims told me to use my own mechanic to get them an estimate, cool not a problem! Took them 3 weeks to call me back and say they're going to send an appraiser themselves so fine I get it because the bike was totaled. THE GUY THEY SENT DIDN'T KNOW MOTORCYCLES AND DIDN'T KNOW WHAT A FOOTPEG OR HANDLEBAR WAS CALLED. How do you have a motorcycle license to appraise when you don't know what you're appraising.

Do yourself a favor and avoid being a customer like they would avoid paying your claim, you have been warned. They sent out an adjuster who agreed with my contractor's assessment then decided to send out another because the original assessment would have been a covered circumstance. The second adjuster got them the answer they were looking for so they covered nothing.

I have had National General and now National General Premier for several years. Last year during my renewal I realized my homeowners policy and cars were no longer bundled. I contacted my insurance broker to cancel the existing policies and merge everything together. They screwed up this change so bad, they decided to credit my homeowners policy to my auto policy instead of the home. In July we find out they are cancelling due to non payment. I call and find out it was because of the credit to the auto policy.

Someone hit me from the side that has Progressive and Progressive tries to say it was my fault but the other car was speeding and National General did not back me up after having them for a long time!!! Kaitlin In the claims department was real rude. She hung up in my friend's ear when she tried to tell her side of the story. They ** me over after being insured with them for a while!!!

Today is March 25th 2019 the Camp Fire happened on November 8th 2018 and we are still in limbo waiting for National General to DO THEIR JOB!!! We went through 3 adjusters in the beginning, we were jerked around with housing assistance due to National General changing the adjusters like they did. I am still waiting to be reimbursed for receipts from November/December of 2018. I have sent the receipts in 3 different times, sent 4 different emails asking about them, NOTHING HAS HAPPENED. I was told in Jan. 2019 that they were going to be cutting a check for 75% personal property, that did not happen. After waiting a month to find out that did not happen I was told instead to send a letter in requesting the 75%. I sent a request in on Feb. 19th 2019 requesting the 75%, today is March 25th, NOTHING HAS HAPPENED!

Claims adjusters are rude if you can get a return call from them. It has been 2 months since a policy holder severely damaged our personal commercial property. We’ve been sent to now the third claims adjuster. We’ve called and left numerous messages and emailed them repeatedly with NO response!!! Our property was damaged by the policy owner. No fault of ours at all. They were cited with speeding, etc... National General Insurance is horrendously negligent and derelict in their duties of paying claims to the injured parties of their policyholders!!! At this point, I would rate this company with a negative 10 star if possible!!!

I recently purchased a home and went through NatGen for my homeowner's insurance. After doing the home inspection they said my roof needed replaced and gave me 5 days notice to do so. My house is 12 years old. I has a roofer come out to look at it and was told I still have 3-4 years left on this roof. NatGen wasn’t having it. They still said I needed to replace it. I went through Progressive and my inspection just came back and everything is fine. Safe to say I will never use NatGen for homeowner's insurance again.

We had short term care for me and my son mostly because OBAMACARE doesn't really cover all people and it's definitely not affordable. So since we both had diagnosis of cancer 2.5 years ago then short term care was our only option but it was sold to us as a $5000 deductible. But they neglected to tell us that the deductible had to be met each quarter - SO YES $20,000 deductible per year with our policies each costing us over $800 per month each person. They also neglected to tell us that the policy needed to be reissued each quarter and each quarter it would go up in costs.

My husband and I purchased a health insurance policy through National General Insurance a year ago. Fast forward several months and we obtained insurance through employment and no longer need the services National General provides. We have attempted to cancel our policy several times. We have attempted to cancel utilizing their support desk and by both calling and emailing several times. Although they claim that our services are cancelled, they have continued to illegal withdrawal money from our bank account.

Back in Sept. 2018 National General raised my premium 30% on my Auto Ins. They said I had an accident in April. I told them I was victim of a felony hit and run. At no fault of my own. They call it non-chargeable Incidents??? I cancelled my policies, and gave them the cancellation date. They say I still owe them 86.92. I don't. I've disputed with them several times. They said they would subtract $3.00. I've left messages at the Corp. number. To date, no return call. I now have a collections Agency contacting me. Unethical, Deceptive business practices, Poor customer service Contacting the Dept. of Insurance. Don't buy from this company!!!

Have a insurance claim with this company and after a month they still are reluctant to return my call. Terrible experience with this company. How do you totally refuse to contact a party with an insurance claim. This is an extremely bad business practice on your company's part. It needs improvement.

I am writing regarding Claim ** with National General Insurance. I filed a full roof replacement claim with National General back in November 2018 due to a numerous amount of missing shingles on my roof due to a windstorm. I was on vacation and when I returned back, I noticed that there were quite a bit of missing shingles on the ground along with noticeably a ton of branches due to the windstorm. I filed a claim and was provided Linda ** as my first adjuster. Linda and I had a preliminary conversation regarding the claim and what had happened and she advised that an independent adjuster from Hancock Insurance would be coming out to do a roof inspection.

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.

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.

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.

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!

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.

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.

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!

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.