National General Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified current official underwriting guidance was found for Illinois Homeowners only, not for a standalone public Boat/Watercraft underwriting appetite guide. The verified homeowners guide is the Illinois Premier and OneChoice Homeowners Underwriting & Product Guide, revised March 11, 2025, underwritten by MIC General Insurance Corporation. Core target business appears to be owner-occupied 1-2 family homes in good repair, insured to at least 100% of calculated replacement cost, with limited loss activity and continuous prior insurance. Coverage ranges shown include HO3 Coverage A from $100,000 to $3,000,000 for OneChoice and $750,000 to $5,000,000 for Premier; HO4/HO6 contents limits are also offered. Preferred characteristics include acceptable Protection Classes 1-9 with the home within 5 miles of the fire department, adequate water supply, and year-round road access. Secondary/seasonal homes can be eligible if the primary home is insured with the company, subject to exceptions and winterization requirements. Short-term rentals up to 3 months require underwriting approval. Key restrictions/declines in the verified IL homeowners guide include: vacant, foreclosed, or for-sale dwellings; uninsured prior property risks (except HO4); applicants with arson/fraud history; bankruptcy, foreclosure, repossession, judgment, or lien in the past 5 years; more than one loss in the last 5 years; certain water or liability losses referred; Protection Class 10; announced brush/range/forest fire exposure or wave wash, cave-in, sinkhole, or landslide exposure; historic-register homes; observable unrepaired hazards or preexisting damage; and specified roof concerns, including certain roof materials and aging roofs, with added coverage-condition requirements for older roofs. Townhouse/row house risks are acceptable only in limited configurations; frame row houses, 3-4 family units, and more than 8 units within a fire division are ineligible. Broker/producer operational notes: National General maintains an agent forms portal and an official Underwriting Review Form described as being for quotes where underwriting approval is requested. The available underwriting verification questionnaire instructs agencies to provide producer/agency details and submit required documentation by mail; electronic copies are not accepted on that form, and processing time shown is 7-10 business days. For public-facing home and specialty products, National General routes business through independent agents and notes product availability varies by state and underwriting company. For Boat/Watercraft, only public product availability was verified, not a detailed public appetite bulletin: National General’s homeowners specialty pages show Watercraft/Yachts and Personal Watercraft as available additional coverages through select insurance partners, and the consumer site directs prospects to find an agent or get a quote. No standalone official public watercraft underwriting guide was verified from the provided sources, so boat appetite specifics should be confirmed through the appointed agent/broker channel.