When it comes to picking the right insurance provider, the choices can feel endless. One name you might’ve come across is National General Insurance. From its auto insurance options to comprehensive health and home coverage, National General offers a variety of policies aimed at keeping you, your family, and your belongings safe.
In this article, we’ll break down the ins and outs of National General Insurance, covering what it is, the types of policies it offers, and some tips to help you decide if it’s the right fit for you.
What is National General Insurance?
National General Insurance is part of Allstate, one of the largest and most trusted insurance providers in the United States. Known for its flexible insurance products and competitive pricing, National General primarily focuses on auto insurance but also provides other types of coverage, including homeowners, RV, motorcycle, and health insurance.
Whether you’re new to insurance or a seasoned policyholder, National General Insurance offers policies designed to fit various needs and budgets. With a focus on customer satisfaction and unique perks like roadside assistance, National General stands out in a crowded market.
Types of Insurance Offered by National General
National General Insurance doesn’t limit itself to just one type of insurance. Let’s explore some of its key offerings:
1. Auto Insurance
- Liability Coverage: This covers damage and injury you cause to others in an accident.
- Collision Coverage: Helps pay for repairs to your vehicle after a collision.
- Comprehensive Coverage: Covers non-collision damage such as theft, vandalism, and natural disasters.
- Uninsured/Underinsured Motorist: Protection if you’re hit by an uninsured or underinsured driver.
One unique perk: National General offers accident forgiveness and vanishing deductible benefits, which reward safe driving.
2. Homeowners Insurance
- Dwelling Protection: Covers damage to your home’s structure due to disasters like fire, storm, and certain natural events.
- Personal Property Coverage: Insures your belongings against theft, fire, or other specified events.
- Liability Protection: Protects against lawsuits for injury or property damage you or family members cause to others.
- Additional Living Expenses: Covers the cost of living elsewhere if your home becomes uninhabitable.
National General also offers flood insurance as an add-on, a valuable option for those in flood-prone areas.
3. Health Insurance
- Short-Term Health Plans: Affordable and flexible plans for temporary coverage gaps.
- Supplemental Coverage: Including dental, vision, and critical illness insurance to cover costs that traditional health insurance might miss.
4. RV and Motorcycle Insurance
- National General offers specialized coverage for RVs, motorcycles, and even golf carts. Policies can include unique perks like campsite liability coverage for RVs and replacement cost coverage for custom parts on motorcycles.
5. Small Business Insurance
- From liability to property insurance, National General provides options tailored for small business owners, protecting against claims, equipment damage, and loss of business income.
Why Choose National General Insurance?
Picking an insurance provider goes beyond comparing premiums. National General has unique selling points that make it a standout option:
- Flexible Coverage Options: You can choose from various levels of coverage tailored to fit your budget.
- Accident Forgiveness: National General offers accident forgiveness, a rare perk that can help keep your rates stable after a minor accident.
- Discount Opportunities: Enjoy discounts for safe driving, bundling policies, vehicle safety features, and more.
- Nationwide Network: As part of Allstate, National General offers access to a large network of agents and resources across the country.
How to Get the Best Deal with National General Insurance
Looking to save on your National General policy? Here are some handy tips:
- Bundle Policies: Combine your auto, home, or other insurance to qualify for discounts.
- Ask for Safe Driver Discounts: If you have a clean driving record, National General rewards you with lower rates.
- Consider Higher Deductibles: A higher deductible usually means a lower monthly premium. Just ensure you’re prepared to pay the deductible if needed.
- Utilize Telematics: Enroll in National General’s telematics program, which tracks driving behavior for potential discounts.
Frequently Asked Questions
- What is covered under National General’s comprehensive auto insurance?
Comprehensive auto insurance from National General covers non-collision events such as theft, vandalism, and natural disasters, like hailstorms and flooding. - Does National General Insurance offer discounts for good driving?
Yes, National General provides various discounts for safe driving, which could include accident forgiveness and even a vanishing deductible for qualified drivers. - Is flood insurance included in National General’s homeowners policy?
Flood insurance is typically not included in standard homeowners insurance but can be added as an optional coverage if needed. - Can I bundle health insurance with my auto and home policies?
While bundling is usually available for auto and home insurance, health insurance policies are separate but can still be added to provide a comprehensive coverage plan. - What makes National General Insurance different from other providers?
National General’s accident forgiveness, flexible coverage options, and unique benefits like telematics tracking set it apart from other providers. Additionally, as part of Allstate, National General benefits from a large network and added resources.
Wrapping Up: Is National General Insurance Right for You?
Choosing the right insurance can feel overwhelming, but National General’s mix of affordable options, flexible coverage, and unique perks make it a competitive choice. Whether you’re looking for auto, home, health, or specialized insurance like RV and motorcycle policies, National General might just have the right fit.
Authoritative Sources for Further Reading
- National General Insurance Overview: nationalgeneral.com/insurance
- Allstate and National General Acquisition Details: allstate.com
