Rating: 8.6 / 10 (Excellent)
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National General - Overview

National General, formerly GMAC insurance, is based in North Carolina and has been in business since 1939. The company provides auto, RV, motorcycle, homeowners, renters, condo, and commercial vehicle insurance among others. The company offers its home insurance product through a simple online portal where prospective clients can obtain quotes. National General prides itself on getting customer claims fulfilled as quickly as possible, allowing them to return to their normal lives. The company as an A- (excellent) rating with A.M. Best, and an A+ accreditation with the Better Business Bureau.

National General features some basic programs in all its homeowners insurance plans that set the company apart from the pack. Guaranteed and Extended Replacement Cost Coverage will rebuild your house if it is a total loss, even if the cost of the repairs is more than the actual house is worth. The company's Green Update option provides up to $50,000 to repair the house using sustainable materials. National General also offers much flexibility in covering the contents of your home, with different tiers of coverage options insuring everything from personal watercraft to fine art. Finally, their Theft 911 service assists in the event of identity theft and pays up to $15,000 of the expenses related to restoring identity. 

Home Insurance Products Offered

Homeowners Insurance
Renters Insurance
Condominium Insurance

In order to proceed with the quote process, National General requires the following information:

  • Zip Code
  • Name
  • Phone Number
  • Date of Birth
  • Address

Financial Strength Rating (A.M. Best)

Formerly Integon (1920) and the General Motors Acceptance Corp (GMAC, 1925), the company was renamed National General in 2013. As such, National General has a long, solid financial history and strong outlook in terms of credit worthiness and claims paying ability.

Rating: A- (Excellent)
Financial Size Category: XI ($750 Million to $1 Billion)
Outlook: Stable

Better Business Bureaus (BBB Ratings)

A+ Rating
BBB Accredited business


National General offers a variety of coverage discounts and credits that can help customers make their premiums more manageable. Eligibility and availability vary by state, so keep this in mind. 

Age of Home


Auto Companion



Auto/Home Account



Claim Free



College Education



Gated Community



Home Buyer


Homeowners Association


Insurance to Value


Prime Time


Protective Devices


Superior Construction



Covers cost of rebuilding/ repairing due to a covered peril Yes
Personal liability coverage for personal/ property damage Yes
Covers living expenses outside of the home during rebuilding/ repairs Yes
Coverage for medical expense Yes
Is widely available across the country Yes
Personal property insurance for loss or damage for covered instance Yes        


National General allows clients to file claims online, over the phone, or through their mobile app for smartphone or tablet. Flood claims must be filed over the phone. All customers need to report the claim is the policy number and the details of the accident or incident they are reporting. National General then allows the customer to dictate the scheduling of the insurance adjustor visit. New claims can be filed 24/7.

Home Insurance with National General 

National General is a solid financial institution with a long history. Their homeowners insurance products offer great features such as coverage for total loss and identity theft protection. Importantly, the company's list of discounts is quite lengthy, giving customers many opportunities to lower their premium price. 24/7 claims filing is simply a must as no one can ever tell when disaster might strike. Overall, a solid choice for homeowners insurance. 

Top Rated
9.5 / 10
  • A+ BBB with Over 100 Years of Experience
  • Homeowners, Condo, Renters or Umbrella Coverage
  • Coverage for your home, belongings & personal liability
  • There when you need it: Fast claims & 24/7 reporting
  • Bundle & Save with available multi-policy discounts
  • Get your quote today & learn how you can save up to 26%!