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National General RV Insurance Review

Rating: 9.5 / 10 (Excellent)
14 Customer Comments & Reviews - see all comments
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National General Insurance provides a variety of products that include auto, home and RV insurance. It is one of the few companies that specializes in RV insurance offering RV-targeted coverage and protection. National General RV Insurance provides RV coverage for those who live in their motor vehicles full-time and a storage option for cutting insurance costs when the RV remains idle for long periods of time.


Bodily injury coverage

Property damage liability

Personal liability

Medical payments

Personal injury protection



Uninsured or underinsured motorist coverage

Recreation Vehicle Specific Coverage

Total Loss Replacement:

National General RV Insurance has optional full replacement cost coverage; if your RV is totaled or stolen (and not recovered) and it's within the first five model years, it will be replaced with a comparable, new RV, even if you're not the original owner. After the first five model years, you will receive your full original purchase price - not a depreciated amount - toward the purchase of a replacement RV. 

Replacement cost coverage must be purchased during the RV’s model year or within the following four years. 

Storage Options:

This option lets you save money by suspending the other coverages you don’t really need during the months your RV is off the road.

The storage option allows you to “turn off” your liability and collision coverages to reduce your premium by an average of 53% when you are not using your RV. 

Full Timer Coverage:

Full-timer coverage is designed to provide protection to RV’ers similar to how a homeowner’s policy protects for things that happen in and around a home.

The full-time protection plan covers personal liability losses, other than in an auto accident. This coverage is provided worldwide. The full-time protection plan is available to clients that use their RV 6 or more months out of the year and DO NOT own their primary residence.

Personal Effects Coverage

National General features personal effects coverage that automatically insures the belongings in your RV for up to $3,000, with the option to add more coverage if you need it.

Personal effects coverage covers the full replacement cost of your personal items (from laptops and linens to attachments and accessories) in your RV. You can add more coverage to your custom RV insurance policy if you need it.

Permanent Attachments Coverage

In addition to standard insurance coverage for your RV, National General offers permanent attachments coverage at no additional charge.This insures permanent attachments for the full amount it would cost to replace them-not a depreciated amount. Attachments and accessories like awnings, levelers, tow kits, stairs and antennas are covered for their full amount at no additional cost to your policy. 

Mexico Insurance

Mexico physical damage coverage provides comprehensive and collision coverage for an RV or travel trailer while traveling in Mexico. This coverage is available provided liability coverage for the duration of time spent in Mexico is also purchased from a provider licensed in Mexico. 

Vacation Liability

RV vacation liability adds liability coverage for parked RVs — providing continuous bodily injury and property damage coverage up to the limit chosen. It covers incidents that occur like “slip-and-falls” or campfire-related losses.  Up to $10,000 is included.

Hitch Coverage

If a tow vehicle and fifth wheel is insured by National General Insurance, we also cover the hitch assembly at replacement cost, which is especially geared for fifth wheel trailers.

Diminishing Deductible

For every year a policy remains claim free (excluding towing and labor claims) a 25% credit is applied at each annual renewal until the credit is 100%. If a claim is filed, this credit can be applied toward a comprehensive or collision deductible for any covered RV.

Bundle Packages

Autos & Tow Vehicles - Covers your other autos and tow vehicles on the same policy as your RV. If you ever have an accident while towing your RV, your auto and RV claim will both share a single deductible. Bundling can save up to 53% on your premiums.

Homeowners Insurance 


  • Multi-vehicle discount
  • Storage option
  • GM/ GMAC customer discounts
  • Paid in full discount
  • Safe driver discount
  • Low mileage discount
  • Group discount

Fine Print

Policy coverage is only extended to drivers listed when the insurance policy was purchased. RVs with an original cost of $500,000 or more will only be insured if all household autos are insured with National General Insurance Underwriting. 

If your RV is totaled or stolen (and not recovered) in its first five model years it will be replaced with a comparable new RV, even if you’re not the original owner.  After the first five model years, you will receive your full original purchase price — not a depreciated amount — toward the purchase of the replacement RV.  Replacement Cost Coverage must be purchased during the RV’s model year or within the following four years. 

Support Services

  • Emergency expense allowance – Covers lodging, transportation, and meal expenses incurred when RV is inoperable more than 100 miles from home. For full-timers, the coverage is applicable anywhere the full-timer is located.  This coverage is provided at basic limits when vehicle has comprehensive and collision coverages. Higher limits are available in some states.
  • Smart Assist – mechanical breakdown insurance (optional). One hour of labor at the site of breakdown, towing services without dollar or mileage limits and gas.
  • RV claims specialists
  • 24 hour claims reporting

The Bottom Line – National General RV Insurance

National General Insurance offers a highly specialized RV insurance product that goes beyond average auto insurance services. It even distinguishes this service from its auto insurance product, providing it a separate category. It still offers basic auto insurance items such as bodily injury and property damage coverage to fully comply with state laws. Recreational vehicles and motor homes are specially equipped for trips and serve as a second home which National General RV Insurance takes into account by providing coverage for such items. Overall, National General is a great choice for RV owners searching for RV insurance services. 

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14 Customer Comments & Reviews

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Rod S
McAllen, Texas
I just learned by accident that if my RV is under the storage status of National General's insurance policy, and a hurricane is "in the news," my policy is placed under moratorium, meaning that it can't be switched to out-of-storage status, meaning you have no collision or liability coverage. But policy holders aren't notified that they aren't covered, which contradicts Good Sam's advice that evacuees from a hurricane should take their RV. If you take it out of storage on the weekend like I did and you call to leave a message (no humans around on the weekend) that you want to be switched from storage status, you're driving your RV illegally, without liability or collision, and at great... Read More

Chandler, Arizona
How can they have a 10/10 rating when all of the reviews are Terrible?? Just learned that they are no longer writing new policies in Arizona. Wonder if that means they are facing some legal action(s)? One can only hope!

Chandler, Arizona
NGIC denied my claim for water damage caused after driving through a severe thunderstorm. It took close to 3 months for them to deny the claim, clearly it was a loss caused when water entered one of the rear, top running lights on the Airstream. I could go on for pages about the information I provided their claims representative, not to mention the service provider who was to do the repair. NGIC is a fraudulent company that has employees to twist the truth, am being kind, and lack even the basic customer relations and communications skills. I would NOT renew my policy if they offered it to me for free. If you have them, drop them, if you don't look elsewhere.

Dan M
I have recently returned from deployment to find a large tree branch has punctured the roof of my RV. There was a lot of water damage to rear end of roof, back wall and rear interior floor and the electrical system is messed up (keeps blowing the 40amp fuses). My adjuster informed me that National General insurance does not cover long term damage as the ply wood in the back wall, roof and floor was rotten and delaminated from the fiberglass siding. She said I should have put a tarp on the roof to avoid any other damage. I informed her that I was on deployment to the other side of the world and was unable to do so. After sending out someone to survey the damage, she was kind enough to... Read More

Johnstown, Colorado
Over two months on a hail damage claim. The damage is obvious to the roof. Three adjusters have come out. First too obese to climb a ladder. 2nd incompetent, third seemed like he got it. Now National General has not responded to email. I have avoided getting a lawyer because I thought they were acting in good faith. My truck, damaged in the same storm, has already been repaired by USAA insurance. They may eb cheap; but you get what you pay for I guess.

Tammy M
Meridian, Mississippi
I was told this was great insurance for my RV so I got it...boy was that a mess!!! My premium was 43.oo a month and that was great until this month...132.00!!!! Due to not providing documentation of vehicle insurance, which I did not know I needed to provide!! And was not allowed to get my $ back on the day it was drafted from my account!!! And charged me 20.00 or so for cancellation fee...really????? 132.00 is a far cry from 43.00.

John H
Bangkok, Bangkok
I have had their ins since 1959, NGI has changed. They have people with cold hearts working now. I hit an elk in Oregon and I know the damage incurred, they are denying many parts of the damage claiming it old damage with no proof. I have photos and dates showing no damage. I asked for their proof in writing and they replied with a notice of cancellation. I contacted 15 shops in So CA and all off the record said NGI is the most difficult to deal with always denying this and that. They are all afraid to loose business by speaking out. They all told me that Bryan Hughes is the worst to work with. They all said AAA is the best. I am a full-timer and will need to go back to Illinois (out of... Read More

, Minnesota
I'm confused by this as the title up top shows National General with 9.7 starts out of 10 but if I read the reviews I can't comprehend how it's add's up to 9.7 stars? Help me understand because after reading the comments I have no choice but to opt out and look elsewhere for insurance.

Harleysville, Pennsylvania
Our National motorhome survived the Valley Fire of 09/12/2015. The brakes on the right side were melted from the heat. Denied. The roof seams on the perimeter were damaged from the heat.Denied A scratch caused by a crazy person was called a collision. We were basically called liars like the other reviewers. We reported them to the CA Department of Insurance. They use "Direct Repair Program" that leaves the owner out completely. The adjusters just made up the narrative of the occurrence.

Canyon Lake, Texas
If you have National General, RUN!!! We have a two piece windshield both with damage. THEY determined that it would be separate claims and therefore separate deductibles. They also would not cover a new gasket for it even though the RV service manager said the existing one could not be used. They also would not cover the driver's side window as it was fogged and you can't even see out of it. Adjuster didn't even listen. We are pursuing other insurance...Progressive looks the best so far.

Top Rated
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9.5 / 10
  • Top Rated Choice: A+ BBB Rating
  • Optionally "Turn Off" Liability & Collision during Storage - Save 53%
  • Cover Your Personal Belongings or Attachments
  • Full-timer Coverage Options
  • Mexico Insurance Options
  • Total Loss RV Replacement
  • 24 Hour Claim Support!