National General Insurance

What National General Insurance does

National General Insurance is a U.S. personal lines and specialty insurance carrier founded in 1920 and operating as a wholly-owned subsidiary of Allstate Corporation (NYSE: ALL). The company underwrites and distributes auto, commercial vehicle, RV, motorcycle, homeowners, condo, renters, flood, umbrella, and individual health coverage through three principal go-to-market motions: a 55,000+ independent agent and broker network, direct online quoting and policy management via its website and mobile app, and a specialized B2B channel — National General Lender Services — that provides insurance tracking, lender-placed insurance, loss drafts processing, and customer care to mortgage servicers.

The company's technology stack centers on underwriting and claims systems for personal lines, complemented by purpose-built lender-services tools including the ClientSource servicer portal, a Self-Serv homeowner portal, an Interactive Dashboard for portfolio risk and compliance, and a Catastrophe Monitoring Center for real-time event response. Product-level technology differentiators include DynamicDrive, an auto insurance program using driving behavior data to price risk more competitively. Strategic Markets, a third distribution line, offers custom programs and specialty coverages to general agencies.

National General generates revenue primarily through recurring insurance premiums across personal and specialty lines, supplemented by managed-service fees from mortgage servicers and revenue-sharing arrangements with general agencies. Pricing is quote-based and monthly across consumer products. The company holds an A.M. Best A+ Superior financial strength rating, is licensed and operating in all 50 U.S. states, serves as a Write-Your-Own carrier for the National Flood Insurance Program, and has earned 20 consecutive years of Call Center of Excellence certification. Brand presence spans NatGen, NatGen Premier, NatGenHealth, and National General Lender Services sub-brands.

Name

National General Insurance

Legal name

National General, an Allstate company

Website

https://nationalgeneral.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

National General Insurance, founded in 1920 and a wholly-owned subsidiary of Allstate, underwrites personal and specialty lines (auto, RV, motorcycle, home, flood, health) and provides lender services to mortgage servicers, distributed through 55,000+ independent agents, direct online, and B2B channels across all 50 U.S. states.

Ownership category

akta.pro rank

Product category

Personal Lines Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Standard Personal Auto Insurance (Liability, Collision & Comprehensive) (FSAJAAAA)

akta.pro secondary industries

Full-Coverage Personal Auto Insurance (FSAJAAAF), Commercial Auto & Fleet Insurance (FSAJAMAB), Personal Umbrella Insurance (FSAJANAA), Auto Liability Umbrella / Excess (FSAJANAK)

Keywords

• Personal auto insurance
• Homeowners insurance
• Recreational vehicle insurance
• Commercial auto insurance
• Lender placed insurance

Headquarters

HQ city

New York

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Premiums: National General generates revenue through insurance premiums collected from policyholders on a recurring basis for auto, home, RV, motorcycle, condo, renters, flood, umbrella, and health insurance products.
2. Lender Services: Revenue from mortgage servicers and general agencies for insurance tracking services, lender-placed insurance, loss drafts processing, and customer care services.
3. Strategic Markets: Specialty coverages and custom programs offered to general agencies through strategic partnerships.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

National General Insurance provides personal and commercial property and casualty insurance products—including auto, homeowners, RV, motorcycle, condo, renters, flood, umbrella, and health coverage—distributed through 55,000+ independent agents and direct online channels. As an Allstate subsidiary, it also operates a B2B Lender Services line offering insurance tracking, lender-placed insurance, loss-draft processing, and customer care for mortgage servicers.

Differentiator

Problem solved

Functional benefit

Brands

• NatGen Premier: Premium insurance product brand offering enhanced coverage options
• NatGenHealth
• National General Lender Services
• ClientSource
• Catastrophe Monitoring Center

Products and services

• Auto Insurance
• Homeowners Insurance
• RV Insurance
• Motorcycle Insurance
• Condo Insurance
• Renters Insurance
• Flood Insurance
• Umbrella Insurance
• Health Insurance
• Commercial Vehicle Insurance
• Lender Services (B2B)

Quantifiable outcome

• A+ rating from A.M. Best for superior financial strength
• +1 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• RoamlycoreChannel Partner/ Reseller/ Distributor · 22 April 2025Roamly, a digital insurance platform, established partnerships with eight major national carriers including National General as part of its Florida expansion. The partnership offers digital-first insurance products across recreational vehicle, marine, and motorcycle lines, targeting Florida's market of over 1 million registered recreational boats, 825,000 registered RVs, and high motorcycle ownership rates.
• ProgressiveminorChannel Partner/ Reseller/ DistributorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
• American ModernminorChannel Partner/ Reseller/ DistributorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
• MercuryminorChannel Partner/ Reseller/ DistributorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
• HagertyminorChannel Partner/ Reseller/ DistributorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
• DairylandminorChannel Partner/ Reseller/ DistributorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
• SafecominorChannel Partner/ Reseller/ DistributorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.
• Ahoy! InsuranceminorChannel Partner/ Reseller/ DistributorPart of the eight national carriers in the Roamly digital platform partnership for Florida expansion.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• GEICO: GEICO (Berkshire Hathaway) is the second-largest U.S. personal auto insurer and National General's primary direct-channel competitor. The two overlap almost entirely in personal auto and motorcycle, with GEICO setting the price benchmark that agency-based carriers like National General must respond to.
• Erie Insurance: Erie is a mid-market agency-based personal lines carrier selling auto, home, and life through exclusive and independent agents across the Midwest, Mid-Atlantic, and Southeast. It mirrors National General's strategy of distributing through independent agents with a broad personal-lines product suite, and serves overlapping customer segments of middle-income families.
• Mercury Insurance: Mercury is a California-headquartered personal auto insurer selling through independent agents with strong positions in CA, FL, and other non-standard auto markets. Mercury directly competes with National General in personal and commercial auto, including specialty vehicles, and is also a named carrier partner alongside National General on the Roamly platform.
• Foremost Insurance Group: Foremost (a Zurich North America brand) specializes in specialty personal lines including mobile homes, RVs, motorcycles, boats, and collectibles. It overlaps directly with National General's specialty vehicle and recreational product portfolio and competes in the same agent channel.
• Hagerty: Hagerty specializes in classic, collector, and enthusiast vehicle insurance including boats and motorcycles. It is a direct competitor in the specialty vehicle space that National General targets and is also a Roamly partner alongside National General, confirming close competition for the same recreational vehicle consumers.
• Dairyland Insurance: Dairyland (an Sentry Insurance brand) specializes in motorcycle, ATV, snowmobile, and off-road vehicle insurance distributed through independent agents. It directly overlaps with National General's motorcycle and recreational vehicle product lines and is also co-located on the Roamly digital platform.
• Progressive: Progressive is the largest U.S. personal auto writer, competing head-to-head with National General across personal auto, motorcycle, and RV. Both rely heavily on direct and agency distribution (though Progressive is more direct-tilted), which makes competitive pricing, telematics/usage-based programs, and advertising spend the primary battlegrounds.

Broad incumbents

• Liberty Mutual Insurance: Liberty Mutual is one of the largest U.S. P&C carriers offering personal auto, home, RV, and commercial lines through both owned (e.g., Safeco, cited as a Roamly partner) and independent agent channels. Liberty Mutual competes with National General across virtually every personal line and offers the financial scale of a top-5 U.S. insurer.
• Nationwide Mutual Insurance: Nationwide is a top-10 U.S. P&C carrier selling personal auto, home, and specialty lines through a captive plus independent agent model. Nationwide and National General compete directly in personal lines and share a similar group/affinity distribution approach; Nationwide also operates a major direct platform.

Emerging players

• Assurant: Assurant is a publicly traded specialty insurer offering lender-placed and force-placed insurance, vehicle protection, and specialty personal lines. Through its lending services business, it directly competes with National General Lender Services (NGLS) for mortgage servicer insurance tracking and lender-placed placements.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php
• LinkedInlinkedin.com/company/national-general-insurance

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about National General Insurance