National General Homeowners Insurance Review

Finding a compatible insurance policy doesn’t have to be difficult, and with National General getting a quote is simple and easy.

Does National General Offer Homeowners Insurance

National General offers a wide variety of insurance services, but does National General offer homeowners insurance? With the National General Insurance Homeowners Program, you can get covered directly. Homeowners insurance is important and National General is dedicated to providing affordable services. National General offers coverage to protect your dwellings, your personal belongings, and your bank account in the event of a liability or lawsuit. If your home requires urgent repairs or is uninhabitable, National General will be there to help provide you with temporary living arrangements. By working with National General, we are able to provide home coverage nationwide. And getting started is easy! Just call 1-888-745-2507 to discuss the coverage you need and you will get a premium quote within minutes. National General consistently aims to offer affordable rates for those looking for coverage on a budget.
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National General Homeowners Insurance Review and Costs

As a National General homeowners insurance review, you should know that National General offers its customers affordable rates, great customer service, and a convenient user experience. National General is comparable to other insurers in regard to insurance offerings and coverage details, but National General distinguishes itself as one of the top insurance companies since it provides affordable rates and accessibility to customers. In addition, the Better Business Bureau (BBB) gives National General a rating of A+ and commemorates National General as an accredited business. National General enables policyholders to have convenient options for paying, as well as accessing and managing their insurance information. While other companies have similar online services and tools, National General is constantly improving their capabilities to lead the industry in communication. At a glance, National General homeowners insurance cost is an affordable option in comparison to competitors. The national average for the homeowners insurance price ranges from $600 a year for basic coverage to $2,000 or more each year for comprehensive coverage. But keep in mind that pricing varies greatly depending on your location and other details. The coverage that you are seeking and the property you are located on have an impact on your insurance rates.
National General Homeowners Insurance High-Level ReviewBy the Numbers
BBB rating for National General Homeowners InsuranceA+
National General Renters Insurance JD Power Rating2/5
Avg. Cost for National General Homeowners Insurance Yearly$1,316.80
Avg. Cost for National General Homeowners Insurance Per Month$109.73

National General Howeowners Insurance Coverage

When deciding which policy is right for you, it’s important to know what National General homeowners insurance covers. National General insures damage to your home and other attached structures on the property, unless the cause of damage is specifically excluded from your policy. This can include storm damage and wind damage. Damage to or theft of personal property, such as furniture or vehicles, is insured. While there is coverage for jewelry stolen from your home, the coverage is often limited. However, most policies will not cover your jewelry. If collectibles are of extreme importance to you, you might be interested in a homeowners policy endorsement. Personal liabilities, such as legal expenses or medical bills that result from an accident of a visitor in your home, are also covered. Any additional costs that arise due to a covered loss are also insured. For example, if a storm makes your home uninhabitable and you need a temporary living area, the cost would be covered.
Most insurance policies have specific guidelines for the causes of water damage that they cover. National General’s homeowners insurance covers water damage when the cause is from rain or snowstorm damage, plumbing issues (such as faulty plumbing or frozen and burst pipes), water damage from fire extinguishing, a leaking roof (although coverage only applies to the roof interior, not the exterior roof), accidental overflow of an appliance or fixture, or vandalism. But does National General homeowners insurance cover mold? When mold is caused by water damage that is covered by the previously stated scenarios, then yes. In regards to water damage, does National General homeowners insurance cover flood damage? National General homeowners insurance policies do not directly cover flood damage, but flood insurance is available as a separate policy. Flood insurance goes beyond the coverage of a standard homeowners insurance policy and covers more severe water damage, such as flooding from coastal storms. The structural integrity of the home and any damaged personal belongings in the event of a flood is covered by flood insurance. Your foundation, the critical systems within your home, and flooring are also covered. Personal belongings and damage done within the basement may not qualify for coverage.

How Much is National General Homeowners Insurance Near You

Although insurance policies are necessary, you may be wondering how much homeowners insurance is through National General. The national average for National General homeowners insurance is around $1,300 per year, but keep in mind that the state you live in and the coverage you choose has a significant impact on your premium. The most expensive state for National General homeowners insurance is Louisiana, with a premium rate of around to $2,000. The least expensive state for National General homeowners insurance is North Dakota, with a premium rate of around $600. As with any insurance service, homeowners insurance premiums depend on many factors, so it would be beneficial to request a personalized quote for the most accurate pricing.

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Get a National General Homeowners and Auto Insurance Discount

Insurance costs are not always exciting, but National General offers a discount for customers who fit specific criteria. Your location and policy details will affect the amount of the discount that you get, but every customer is eligible for a discount on multi-policy insurance. National General’s multi-policy insurance offers a discount on those who are looking to bundle auto and homeowners insurance. You are able to receive both the multi-car and the multi-policy discount if you are insured with multiple policies and with multiple vehicles. You can also receive a National General homeowners insurance discount if you are claim-free, if you are a student or have previously attended college, if you are a part of a Homeowners Association, if you have protective devices installed in your house, or if your property was built with superior construction. While not everyone is eligible for every discount, there are even more discounts or promotions possible if you call. A customer representative will help inform you of all of your options and available promotions. You can get a quote for more information and a more specific and personalized quote on your premium.

Costs of National General Homeowners Insurance Compared with Competitors

When choosing an insurance policy, comparing National General homeowners insurance cost with competitors might be helpful. In regard to pricing, National General’s most expensive competitor - Liberty Mutual - has premiums that average around $2,227, making the National General homeowners highest insurance cost on average around $227 less. National General’s least expensive competitor - Progressive - has premiums that average around $1,056 which is about $456 higher than National General’s lowest insurance cost. The majority of competitors offer similar general coverage policies. Some competitors, such as State Farm and Progressive, offer discounts for cautious homeowners who make an effort to provide extra safety precautions in their home, such as by having fire extinguishers or installing burglar alarms. Another competitor, Allstate, has a bundling discount of 25%, along with a discount for those over 55 years of age. When looking for a provider, request quotes from multiple companies and carefully compare their coverage policies.

Reaching Out to National General Homeowners Insurance

When filing a National General homeowners insurance claim, make sure that your insurance policy covers the damage that you are attempting to claim. To begin filing a claim, start by calling 1-800-468-3466. Make sure to have your National General Insurance Policyholder Number handy and be ready to explain the details of the loss. A claim professional will inform you of how long you have to file the claim and an approximation of the time it will take. Next, fill out the claim documents provided to you by the insurer. One document you will most likely need to fill out is the proof-of-loss document that asks for details of the cause of the loss, the estimated value of the loss, and enables you to provide photo or video evidence. Depending on the claim, it could take as little as 24 hours to process.
In the event that you are looking for how to cancel National General homeowners insurance, National General’s homeowners insurance cancellation policy allows for an immediate or a future cancellation date as specified by the customer’s choice. Customers may cancel National General’s homeowners insurance at any time with no cost to customers. The policyholder must speak directly to one of National General’s customer service representatives to cancel National General homeowners insurance since there is no way to cancel National General’s homeowners insurance online. The first step to canceling a National General homeowner's insurance policy begins with finding your policy number associated with the policy. With the known policy number accessible, call 1-888-293-5108 and proceed through the automated response system to request the “cancel insurance policy” option. A trained live representative will then assist you through the step-by-step process of canceling National General’s homeowners insurance. According to the National General insurance cancellation policy, customers must complete paying the remaining balance of their account. National General will refund any unused funds from the policy if the entire policy premium has been paid in the policy period.

Deciding on Whether National General is Right for Your Home

A happy home is not complete without the right insurance. The unexpected should always be expected as a homeowner, so it is important to be prepared. National General can help you figure out the right protection for your home and your belongings. Owning a home is a big investment, and taking time to consider your options and decide which coverage is right for you is a big step in securing your safety in the event that something unexpected occurs. If you call to get a National General homeowners insurance quote, we can help match you to the policy that is best for you and give you a premium quote. Remember that we are available to answer any questions that may arise. If you have bought a new home or new furniture recently, your homeowners policy may need an upgrade. With National General’s fast and simple quote service, it’s easy to get a quote on your premium and decide which policy is right for you.