What Is National General Insurance?
National General Insurance (NGI) is a U.S.‑based insurer that offers a broad spectrum of policies, including auto, homeowners, renters, and health coverage. Established in 1991, NGI operates through a network of independent agents and online platforms, aiming to provide affordable, customizable protection for consumers nationwide.
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Auto Insurance Coverage Explained
NGI's auto policies typically include liability, collision, comprehensive, uninsured motorist, and medical payments. Optional coverages such as roadside assistance and rental reimbursement can be added for a higher premium. Coverage limits and deductibles are set at the policy level, allowing drivers to tailor protection to their needs.
Key Features
- Liability limits: $100,000 bodily injury per person, $300,000 total, $50,000 property damage
- Collision & comprehensive: Optional, covers damage from accidents or non-accident events
- Uninsured/underinsured motorist: Protects against drivers lacking sufficient coverage
Home & Renters Insurance Overview
For homeowners, NGI provides dwelling coverage, personal property protection, liability, and loss of use. Renters can opt for a renters policy covering personal belongings, liability, and additional living expenses. Both policies can include endorsements for high‑value items or specialized protection.
Coverage Highlights
- Dwelling coverage: Replaces structural damage from perils like fire, theft, or severe weather
- Personal property: Covers furniture, electronics, and clothing
- Liability protection: $300,000 standard limit for bodily injury & property damage
Health Insurance Options
Unlike many insurers, National General offers a limited range of health plans, primarily through the Affordable Care Act marketplace and supplemental policies. Coverage focuses on essential health benefits, including preventive care, prescription drugs, and emergency services.
Marketplace Plans
- Silver, Gold, Platinum tiers: Varying premiums and out‑of‑pocket costs
- Subsidies: Available for qualifying income levels
Comparing National General to Competitors
When evaluating NGI, consider premium cost, coverage breadth, and customer service ratings. Below is a snapshot of key metrics compared to two major insurers: State Farm and GEICO.
| Attribute | National General | State Farm | GEICO |
|---|---|---|---|
| Average Auto Premium (US$) | 1,200 | 1,350 | 1,100 |
| Customer Satisfaction (CSAT) | 72% | 78% | 81% |
| Policy Customization Options | High | Medium | Low |
How to Get the Best Rate
1. Bundle Policies: Combining auto, home, and health can yield discounts.
2. Maintain a good credit score: Many insurers use credit‑based underwriting.
3. Review deductibles: Higher deductibles often lower monthly premiums.
4. Shop around: Use comparison tools or consult an independent agent.
Common FAQ About National General
Is National General available nationwide? Yes, coverage is offered across all 50 states, though specific limits may vary by region.
Can I switch to another insurer mid‑policy? A policy change is possible, but it may affect coverage terms and premiums.
What is the claims process? Claims can be filed online, by phone, or through an agent; typical processing takes 7–10 business days.