national general insurance an allstate company

What national general insurance an allstate company does

National General Insurance, an Allstate company, is a U.S. personal lines property-and-casualty insurer founded in 1920 and headquartered in Winston Salem, North Carolina. Since 2021 it has operated as a wholly-owned subsidiary of Allstate Corporation (NYSE: ALL), maintaining a distinct brand identity while benefiting from its parent's financial strength and A.M. Best A+ (Superior) rating. The company sells vehicle coverage (personal auto, commercial auto, RV, motorcycle), home coverage (homeowners, condo, renters), and specialty products (flood, private collections, umbrella, individual health through NatGen Health) primarily through a nationwide network of more than 55,000 independent agents and brokers, with supplemental direct-to-consumer sales via its website and mobile app, and a dedicated National General Lender Services division serving mortgage servicers and general agencies.

The product architecture spans core insurance policies, add-on coverage modules, and digital self-service infrastructure including a policyholder mobile app, eSignature, live claims chat, 24/7 claim reporting, and the ClientSource portal for Lender Services clients. Underlying technology is centered on API-based integrations that improve quote accuracy and operational consistency, alongside a proprietary Catastrophe Monitoring Center that supports policyholders during major events. Innovation programs such as DynamicDrive extend the auto product set into behavior- or usage-based pricing, while NatGen Health, NatGen Premier, and the Encompass Insurance sub-brand diversify the company's household coverage footprint under the broader Allstate umbrella.

The business model is recurring insurance premiums on monthly or annual billing cycles, augmented by Lender Services' subscription-based insurance tracking, lender-placed insurance, and loss draft processing fees. Go-to-market is hybrid: independent agents are the dominant distribution channel and are supported by a leading-edge policy management platform; direct online and call-center channels handle self-serve policyholders; and a dedicated enterprise sales team covers mortgage servicer and general agency accounts. Certifications including ISO 9001 (NGLS), 20 consecutive Call Center of Excellence awards, and J.D. Power 2025 Customer Service recognition underpin service quality claims across both consumer and B2B segments.

Name

national general insurance an allstate company

Legal name

National General, an Allstate company

Website

https://ngic.com

Company type

Private

Founded year

1920

Operating status

Operating

Short description

National General Insurance, an Allstate company, provides personal and commercial vehicle, home, and specialty insurance products to U.S. consumers through 55,000+ independent agents and a Lender Services unit serving mortgage servicers and general agencies.

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)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399), Accident & Health Insurance (6321)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industries

Commercial Auto & Fleet Insurance (FSAJAMAB), Personal Umbrella Insurance (FSAJANAA)

Keywords

• Personal auto insurance
• Homeowners insurance
• Independent agent distribution
• Lender placed insurance
• Specialty insurance products

Headquarters

HQ city

Winston Salem

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Core revenue comes from insurance premiums collected from policyholders for auto, home, and other insurance coverage. Premiums are collected on a recurring basis (monthly or annual billing cycles)
2. Lender Services: Insurance tracking services and lender-placed insurance for mortgage servicers, loss drafts processing, and customer care services
3. Specialty Insurance Products: Revenue from specialty products including flood insurance, private collections insurance, umbrella coverage, and NatGen Health insurance

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels4 records

Core offering

National General Insurance is a personal and commercial lines insurance carrier that underwrites and distributes vehicle, home, and lifestyle coverage products including auto, commercial auto, RV, motorcycle, homeowners, condo, renters, flood, private collections, umbrella, and individual health insurance. It sells these products primarily through a network of more than 55,000 independent agents and brokers across the United States, and also offers direct online purchase. A specialized Lender Services division provides insurance tracking, lender-placed insurance, loss drafts processing, and customer care for mortgage servicers, plus specialty coverages for general agencies.

Product overview

National General Insurance, an Allstate company, operates as a multi-line insurance provider offering a comprehensive portfolio of vehicle and home insurance products through a network of over 55,000 independent agents nationwide. The company provides personal auto, commercial auto, RV, and motorcycle insurance under its core vehicle insurance offerings, alongside homeowners, condo, renters, flood, private collections, umbrella, and individual health insurance for home and lifestyle protection. A specialized Lender Services division serves mortgage servicers with insurance tracking, lender-placed insurance, and loss drafts processing. The product architecture includes core insurance products, add-on coverage modules, digital self-service portals (including mobile app, eSignature, and 24/7 claims reporting), and proprietary programs like DynamicDrive for auto insurance.

Differentiator

Problem solved

Functional benefit

Brands

• NatGen Premier: Premium insurance product offering from the Allstate family
• Encompass Insurance
• NatGen Health
• NatGen Lender Services

Products and services

• Auto Insurance
• Commercial Auto Insurance Insurance coverage for commercial vehicles and business fleets, designed for businesses operating vehicles for commercial purposes.
• RV Insurance Specialized coverage for recreational vehicles including motorhomes, fifth wheels, Airstreams, truck campers, and pop-up campers with features not available in standard auto policies, targeted at individual RV owners.
• Motorcycle Insurance Coverage for motorcycles, cruisers, touring bikes, trikes, sport bikes, custom bikes, classic motorcycles, golf carts, UTVs, ATVs, and snowmobiles.
• Homeowners Insurance Protection for homeowners against unforeseen events including fire, storms, theft, vandalism, and coverage for personal belongings and personal liability.
• Condo Insurance HO-6 policies for condo and co-op owners covering personal belongings, interior improvements, and personal liability not covered by the condo association master policy.
• Renters Insurance Coverage protecting renters from unforeseen events including fire, theft, and other named perils, plus personal liability protection.
• Flood Insurance Flood coverage including National Flood Insurance Program (NFIP) policies as a Write-Your-Own company and the private flood insurance product Beyond Flood with higher limits.
• Private Collections Insurance Specialized coverage for valuable personal collections requiring additional protection beyond standard auto, homeowners, or renters policies.
• Umbrella Insurance Additional liability coverage providing extra protection beyond standard policy limits when unexpected events exceed underlying policy limits.
• National General Lender Services Specialized division delivering insurance programs for mortgage servicers including insurance tracking, lender-placed insurance, loss drafts processing, and customer care, as well as specialty coverages and custom solutions for general agencies.

Quantifiable outcome

• 24/7 claim reporting available
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• Allstate CorporationcoreStrategic or Co-development PartnerNational General is an Allstate company, part of one of the nation's leading insurers. They blend the strength of Allstate with the creativity and responsiveness of a nimble partner, delivering innovative solutions and exceptional service backed by Allstate's financial strength.
• Mortgage ServicerscoreOthersNational General Lender Services delivers products, services, and operational support to help mortgage servicers manage risk, meet compliance standards, and deliver exceptional customer experiences. Services include insurance tracking, lender-placed insurance, loss drafts processing, and customer care.
• General AgenciescoreOthersNational General Lender Services supports general agencies seeking access to specialty coverages and provides custom solutions for experienced program administrators. Services include strategic markets, custom programs, and open market solutions.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Travelers: Travelers is a major US P&C carrier with a strong independent agent distribution channel and a multi-line product portfolio overlapping with National General's auto, homeowners, and umbrella offerings.
• Erie Insurance: Erie Insurance is a regional multi-line P&C insurer distributed primarily through independent agents, with a similar product mix spanning auto, home, and umbrella and a comparable service-quality reputation.
• GEICO: GEICO is a Berkshire Hathaway subsidiary and leading US personal auto insurer with direct-to-consumer and agent distribution, directly competitive with National General's auto and homeowners offerings.
• Progressive: Progressive is one of the largest US personal auto and home insurance carriers, competing directly with National General in the independent agent and direct channels on the same multi-product vehicle and property lines.
• Assurant: Assurant is a specialty insurance provider serving lender-placed insurance, mobile device, and creditor insurance markets. It directly competes with National General Lender Services in the mortgage servicer insurance tracking and lender-placed insurance space.
• Farmers Insurance: Farmers Insurance is a major US personal lines carrier selling auto, home, and umbrella policies through an exclusive/captive agent network, closely competing in the same product categories as National General.
• Liberty Mutual: Liberty Mutual is a major US P&C carrier offering personal auto, home, RV, and specialty insurance through independent agents, directly mirroring National General's product breadth and distribution model.
• Nationwide: Nationwide is a large multi-line US P&C carrier selling auto, home, and specialty products through independent agents as well as direct, making it a structurally similar competitor to National General.

Broad incumbents

• Allstate (parent brand): Allstate is the publicly traded parent company of National General and the broader Allstate family of brands. While they are related, Allstate's nationwide direct and exclusive agent operations provide overlap in the same product/market and are a parent-level benchmark for National General's strategy and economics.

Emerging players

• Universal American / AIC (Coventry): Specialty providers in the lender-placed and mortgage servicing insurance market compete with National General Lender Services. They share the niche B2B insurance tracking and force-placed insurance model but typically operate at smaller scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/NationalGeneralInsuranceCompany
• LinkedInlinkedin.com/company/national-general-insurance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about national general insurance an allstate company