Quick answer: National General Premier (NatGen Premier) is Allstate-backed National General's dedicated high-value home program, sold through independent agents like us. Written in our markets as Custom360® Premier Client — a competitive HO5 policy for homes with $1 million to $5 million in dwelling coverage (Coverage A) — the program delivers the signature high-net-worth features — guaranteed replacement cost, a cash-out settlement option, a large-loss deductible waiver, and unlimited loss of use — typically at more accessible pricing than the legacy white-glove carriers.
If you own a higher-value home — roughly $1 million and up in rebuild cost — you've probably discovered that it sits in an awkward spot in the insurance market. Standard homeowners policies from mass-market carriers often weren't designed for it — coverage limits get stretched, rebuild estimates get generic, and unique finishes get treated like builder-grade materials. Meanwhile, the famous high-net-worth carriers (Chubb, PURE, AIG) do a beautiful job, but their premiums reflect a truly white-glove model that not every homeowner wants to pay for.
National General Premier exists precisely for that gap. We represent National General at Better Choice Insurance Group, and Premier has become one of our favorite answers for clients with high-value homes who want serious coverage without the ultra-premium price tag. Here's an honest look at what it actually is, what it covers, and who it fits.
What Is National General Premier?
National General has insured American households since 1920 and became part of Allstate in 2021 — which matters, because it means this specialty program is backed by the scale and financial strength of one of the country's largest insurers. NatGen Premier is National General's high-value personal lines division: a program built specifically for larger homes, valuable collections, and the families who own them.
Two structural things set Premier apart from a standard homeowners policy:
- It's distributed through appointed independent agents — you don't buy it from a call center or a website. Your agent handles underwriting questions, coverage design, and advocacy at claim time.
- It's a true package program. Premier can combine up to five policy types — home, auto, umbrella, and collections among them — on a single policy form, which means one policy number, one bill, one renewal, and package discounts for combining lines.
The Premier Client Home Endorsement: The Heart of the Program
Qualifying homes receive the Premier Client Home Endorsement — the national program applies it from $750,000 of dwelling coverage, and in our markets Custom360® Premier Client is written as an HO5 for homes with $1–$5 million Coverage A. It can be written monoline or packaged and bundled with NatGen auto products, with built-in coverage enhancements, buy-up limits, and higher limits for jewelry, valuables, and collectibles. The endorsement layers on the coverages that define the high-value segment. This is the part of the program that competes feature-for-feature with the legacy carriers.
Guaranteed Replacement Cost
This is the single most important feature in high-value home insurance. With guaranteed replacement cost, the carrier pays to rebuild your home after a covered total loss even if the cost exceeds your dwelling coverage limit, subject to policy terms. Construction costs for custom homes are volatile — labor, materials, and demand surges after regional disasters can push rebuild costs well past what anyone estimated at renewal. Guaranteed replacement cost transfers that risk to the insurer instead of leaving it on you. Policy forms vary by state — in some states the endorsement provides a 100% dwelling extension (extended replacement cost up to your full dwelling limit) rather than unlimited guaranteed replacement cost. We confirm the exact form for your home when we quote. (If you want the deeper background on why this matters so much, see our guide to replacement cost vs. actual cash value and the real risks of being underinsured.)
Cash-Out Settlement Option
If your home is destroyed and you decide you don't want to rebuild on the same lot — maybe you'd rather relocate, downsize, or buy elsewhere — the cash-out option lets you take a cash settlement instead of being forced through a rebuild to collect your benefit. This kind of flexibility used to be a Chubb-and-AIG signature; Premier includes it for qualifying homes.
Large-Loss Deductible Waiver
On a major covered loss, Premier can waive your deductible entirely. It's a feature that sounds small on paper and feels enormous in practice: after the worst day your home has ever had, you're not writing a check to your own insurer before recovery starts.
Unlimited Loss of Use
If a covered loss makes your home unlivable, loss-of-use coverage pays for comparable temporary housing. On standard policies this is capped at a percentage of your dwelling limit — and rebuilding a large custom home can take far longer than a tract home, easily outrunning a capped benefit. Premier's endorsement provides unlimited loss of use, so your family can maintain its standard of living for the full duration of the rebuild.
Own a home worth $1M or more? We quote National General Premier alongside 22+ carriers to find you the strongest coverage at the best available price — free, no obligation, about 20 minutes.
Optional Coverages Worth Adding
Beyond the core endorsement, Premier offers optional layers that we recommend to most high-value homeowners. Here's what each does and why it earns its place:
| Coverage | What It Does | Why It Matters for a High-Value Home |
|---|---|---|
| Extended Replacement Cost | Adds a cushion above the dwelling limit | An additional buffer against construction-cost inflation, layered with the program's replacement-cost protections |
| Water Back-Up | Covers damage from backed-up sewers/drains and sump failure | Finished basements, home theaters, and wine rooms make backup losses far more expensive than average |
| Service Line Coverage | Covers buried utility lines (water, sewer, power, data) on your property | Long private service runs on large lots are costly to excavate and replace — and not covered by standard policies |
| Equipment Breakdown | Covers mechanical/electrical failure of home systems | Geothermal systems, elevators, smart-home infrastructure, and high-end HVAC are expensive to repair when they fail |
| Ordinance & Law | Pays the added cost of rebuilding to current building codes | Older luxury homes often face significant code-upgrade costs during major repairs |
Concierge Claims Service
High-value carriers earn their reputations at claim time, and Premier takes this seriously: the program offers concierge claims handling with one-on-one attention from specialists, 24/7 claims reporting, and a Claims Service Satisfaction Guarantee behind it. And because Premier is sold through independent agents, you also have us in your corner — we advocate for our clients through the claims process rather than leaving you to navigate a carrier alone.
Who Is Premier Right For?
In our experience quoting it across our footprint, Premier tends to be a strong fit for:
- Homeowners in the $1M–$5M range who have outgrown mass-market policies but balk at legacy high-net-worth pricing. This is the program's sweet spot — think established suburbs like the Chicago suburbs we wrote about here.
- Families who want one relationship for everything — home, auto, umbrella, and collections on one package with one bill and package discounts.
- Owners of custom or architecturally distinctive homes where guaranteed replacement cost is non-negotiable.
- Anyone comparison shopping the high-value segment. Even if you end up elsewhere, Premier belongs in the quote stack — it frequently changes the math.
Who is it not for? If your home is insured below the program's thresholds, standard carriers on our panel (Travelers, Nationwide, Grange, Openly, and others) may fit better. And at the very top of the market — sprawling estates, significant international exposure, museum-grade collections — the legacy carriers' specialized services genuinely earn their premiums. We compare all of it honestly; see our head-to-head comparison of Premier vs. Chubb, PURE, and AIG.
What Does It Cost?
We won't invent numbers here: pricing for high-value homes varies enormously by location, construction, claims history, protective devices, and the coverage layers you choose. What we can say is how Premier is positioned — it delivers the defining high-value features through an efficient, independent-agent model rather than the full white-glove cost structure of the legacy carriers, and for many of our clients that translates into meaningful savings for comparable core coverage. The only way to know for your home is to run the quote, which we do for free in about 20 minutes, alongside the rest of our 22+ carrier panel.
Frequently Asked Questions
What home value do I need to qualify for National General Premier?
The program is built for higher-value homes, and the Premier Client Home Endorsement — the package that adds guaranteed replacement cost, the cash-out option, the large-loss deductible waiver, and unlimited loss of use — applies to qualifying high-value homes. In our markets, Custom360® Premier Client is written as a competitive HO5 for homes with $1 million to $5 million in dwelling coverage (Coverage A). Availability and thresholds vary by state, which is exactly what we confirm when we quote it for you.
Is National General Premier the same as regular National General home insurance?
No. National General (part of Allstate) writes standard personal lines, while NatGen Premier is its dedicated high-value program with its own coverage forms, the Premier Client Home Endorsement, concierge claims service, and a package policy that can combine up to five policy types on one form. It is sold through appointed independent agents rather than direct.
Does National General Premier include guaranteed replacement cost?
Yes. For qualifying homes, the Premier Client Home Endorsement includes guaranteed replacement cost, meaning the carrier pays to rebuild your home after a covered total loss even if the cost exceeds your dwelling limit, subject to policy terms. A cash-out settlement option is also included if you decide not to rebuild. Policy forms vary by state — in some states the endorsement provides a 100% dwelling extension (extended replacement cost up to your full dwelling limit) rather than unlimited guaranteed replacement cost. We confirm the exact form for your home when we quote.
How does National General Premier's pricing compare to Chubb, PURE, or AIG?
Pricing depends on your home, location, claims history, and coverage selections, so there is no universal answer — but Premier is generally positioned as a more accessibly priced way to get the signature high-value features (guaranteed replacement cost, cash-out option, concierge claims). Because we're independent, we quote Premier alongside the rest of the market for free, so you can see the actual numbers side by side.
Ready to see what Premier would look like on your home? Start your free quote or call us at (847) 908-5665 — we'll compare National General Premier against the rest of the high-value market and the standard market in one conversation.
Related Reading
- Premier vs. Chubb, PURE, and AIG: Head-to-Head
- High-Value Home Insurance in the Chicago Suburbs
- Why We Love National General
- Replacement Cost vs. Actual Cash Value
Sources
- NatGen Premier — Homeowners coverage (official): Premier Client Home Endorsement at $750,000+, guaranteed replacement cost, cash-out option, large-loss deductible waiver, unlimited loss of use
- NatGen Premier — Concierge claims service and Claims Service Satisfaction Guarantee (official)
- NatGen Premier — package policy combining up to five policy types on one form (official)
- Insurify — High-Value Home Insurance (2026): NatGen Premier program features and coverage highlights
- National General agent program materials — Custom360® Premier Client (July 2026): competitive HO5 for homes with $1–$5 million Coverage A; monoline, package, or bundled with NatGen auto; built-in enhancements and buy-up limits; higher limits for valuables.
- National General Insurance — company history (roots to 1920) and Allstate acquisition