In a world filled with uncertainties, protecting your financial future is more important than ever. From auto accidents and home damage to unexpected medical bills or travel disruptions, life throws challenges when you least expect them. That’s why having a dependable insurance partner is not a luxury but a necessity. Among the many options available in the United States, National General Insurance stands out as a trusted name that delivers flexible, affordable, and comprehensive insurance coverage for individuals, families, and businesses.
Let’s dive deep into what National General Insurance is, the products it offers, what makes it unique, and why it could be the right choice for your insurance needs.
Who Is National General Insurance?
National General Insurance, formerly known as GMAC Insurance, has its roots in the automotive industry. Originally part of General Motors, the company rebranded and expanded into a wider range of personal and commercial insurance products. It is now part of the Allstate family, one of the largest publicly held personal lines insurers in the United States.
With over 75 years of experience, National General offers both the heritage of a long-standing insurer and the innovation of a modern insurance company. The brand is known for its customer-first approach, strong financial backing, and specialized insurance solutions tailored to real-life situations.
What Does National General Insurance Offer?
National General Insurance provides a broad portfolio of insurance products to meet different customer needs. Here are some of its most popular offerings:
1. Auto Insurance
Auto insurance is the company’s flagship product. National General is known for insuring high-risk drivers, those with past claims, or even individuals with poor credit scores. Key features include:
- Liability, collision, and comprehensive coverage
- 24/7 roadside assistance
- Rental reimbursement
- Custom parts and equipment coverage
- SR-22 filings for high-risk drivers
- Discounts for safe drivers, multiple vehicles, and good students
With flexible policy options and competitive rates, it’s an excellent choice for everyday drivers and those who might be turned away by other insurers.
2. Home Insurance
National General’s homeowners insurance protects more than just your house—it safeguards your entire way of life. Coverage typically includes:
- Dwelling protection (structure)
- Personal property (furniture, electronics, clothing)
- Liability protection
- Loss of use (temporary housing if your home becomes unlivable)
- Optional flood or earthquake coverage
Renters and condo insurance are also available, offering similar protections for those who don’t own a standalone home.
3. RV and Motorhome Insurance
This is a standout area for National General. As one of the top RV insurance providers in the country, the company offers coverage specifically designed for motorhomes, travel trailers, and camper vans.
Key benefits include:
- Total loss replacement
- Emergency expense allowance
- Personal belongings coverage inside the RV
- Full-timer coverage for those who live in their RVs full-time
4. Health and Supplemental Insurance
National General also offers short-term health insurance, dental plans, vision coverage, and supplemental plans like accident or critical illness coverage. These are especially useful for people in transition between jobs or waiting for employer-sponsored health insurance.
5. Small Business and Commercial Auto Insurance
For small businesses, National General provides commercial auto insurance for delivery vans, work trucks, and company vehicles. Coverage includes:
- Liability and physical damage
- Uninsured/underinsured motorist coverage
- Specialized fleet insurance
This makes it a popular choice for contractors, delivery services, and small enterprises.
Why Choose National General Insurance?
Choosing an insurance provider isn’t just about rates—it’s about reliability, service, and value. Here’s what makes National General a standout choice:
1. Specialized Coverage for High-Risk Drivers
Not everyone has a perfect driving record. National General is known for its inclusive underwriting, often approving policies for people turned down elsewhere. If you have past accidents, DUI convictions, or require SR-22 filings, National General offers a second chance with fair pricing.
2. Bundling and Discount Options
You can bundle auto, home, RV, and health insurance for multi-policy discounts. Additional discounts are available for:
- Safe driving
- Defensive driving courses
- Installing anti-theft devices
- Good student achievements
- Paperless billing and auto-pay enrollment
3. Easy-to-Use Online Tools and 24/7 Claims Service
With an intuitive website and mobile app, policyholders can:
- View and manage their policy
- File and track claims
- Pay premiums or set up auto-pay
- Access roadside assistance services
The company’s 24/7 claims service ensures that support is available when you need it most, even in emergencies.
4. Financial Stability
Being part of the Allstate family, National General enjoys a strong financial foundation. This ensures they can meet policyholder obligations and remain a stable, long-term partner.
Customer Experience and Reviews
Customer reviews for National General vary depending on location and the type of policy. The company has strong ratings for affordability, especially for high-risk auto insurance. Many customers appreciate the ease of use, quick claims handling, and accessible agents.
However, like any insurer, customer experience may differ based on agents, regions, or claim types. That’s why it’s essential to read the fine print, ask questions, and tailor your coverage accordingly.
Is National General Right for You?
National General Insurance may be a good fit if you:
- Have a less-than-perfect driving record and need affordable auto coverage
- Own an RV or motorhome and need specialized coverage
- Want flexible health or dental plans for short-term or supplemental needs
- Need commercial auto insurance for your business fleet
- Prefer to bundle multiple policies with one provider
It’s particularly useful for those who value flexibility, custom coverage, and inclusive underwriting practices.
Conclusion: A Reliable Partner for Every Stage of Life
In a world filled with risks, National General Insurance provides the peace of mind you need to move forward confidently—whether you’re driving across the country, buying your first home, or protecting your business.
With a broad portfolio, competitive pricing, and a focus on real-world needs, National General offers more than just insurance—it offers trust, value, and protection when it matters most.
Don’t wait for a disaster to think about insurance. Explore what National General can offer and find the coverage that works for you today.