INSURANCE CARRIER
National General Insurance
National General is a non-standard and mid-market personal lines carrier owned by Allstate.
Personal Lines
- File a claim 1-800-468-3466 · 24/7 online and phone
- Online Account & claims portal
- After hoursFile online or call 1-800-468-3466 anytime.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
Coverage Focus
What this carrier writes
Overview
About This Carrier
National General is a non-standard and mid-market personal lines carrier owned by Allstate. They write auto, homeowners, and umbrella for clients who fall outside the preferred market due to prior claims, credit history, or property characteristics. For clients who cannot get competitive quotes in the preferred standard market, National General fills an important gap without going to surplus lines.
Strengths
What This Carrier Does Well
Admitted carrier and an Allstate subsidiary, licensed and regulated under state solvency rules in every state where it writes.
Writes risks that preferred carriers decline (prior claims, credit challenges, older properties), keeping clients in the admitted market.
Available with no minimum volume requirements.
Limitations to Know
Where They Fall Short
Claims handling in the non-standard segment can feel slower than with preferred carriers, and non-standard clients often have fewer alternatives if a claim experience disappoints.
Pricing for standard preferred risks is not competitive. Should only be quoted when preferred market options are exhausted.
High-risk customer base means the book is more volatile; rate increases after a minor claim can be more aggressive than standard market carriers.
Right Fit
Who They Are Best For
Best Fit For
Drivers and homeowners with prior claims, credit challenges, or non-standard risk profiles who do not qualify for preferred carriers.
Not a Good Fit For
National General's core strength is non-standard auto, not homeowners coverage.
Appetite & Coverage
What They Write
- Line of Business
- Personal Lines
- Coverage Types
- Auto, homeowners, umbrella
- Carrier's Licensed States
- Available in select states. Not available in CA, DC, DE, FL, HI, NV.
- Personal Lines States
- Available in select states. Not available in CA, DC, DE, FL, HI, NV.
Pricing & Claims
What to Expect
Best Pricing For
National General is competitive for personal auto, particularly for drivers who have had lapses in coverage or who need SR-22 filings. Their homeowners pricing is not typically competitive against preferred market options.
Pricing Context
National General is priced for the non-standard segment, meaning premiums are higher than preferred market but significantly lower than surplus lines.
Claims Experience
As an Allstate subsidiary they have broad claims infrastructure. For non-standard clients who have fewer carrier options, their accessibility and admitted status are more important than a claims score. Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits. Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Admitted Status: Admitted carrier. Licensed and regulated by the state insurance department in each state where it writes. Policies are backed by applicable state guaranty fund protections up to applicable limits.
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts