Your home isn't one-size. The policy shouldn't be either.
National General's Custom360 home comes in three coverage levels — Signature, Preferred, and Elite — so you shape the policy to the house instead of taking whatever one form offers. Above them sits NatGen Premier for high-value homes. It's Allstate-group A+ paper, we run it against our Allstate contract and 40-plus markets, and we'll give you the straight talk on the thing that quietly bites Arkansas homeowners: how your roof is actually settled.
The short answer
National General's Custom360 homeowners policy gives you a real choice of three coverage levels — Signature (affordable base protection), Preferred (more built in), and Elite (the most robust). All three start from the same standard coverages — dwelling, other structures, personal property, loss of use and liability — and you can add optional coverages to any of them. For high-value homes (roughly $750,000+), NatGen Premier adds high-value features like guaranteed replacement cost and a cash-out option. It's Allstate Insurance Group A+ paper, we run it against our Allstate contract and 40-plus markets, and we'll tell you honestly how your roof is settled — the detail that decides an Arkansas claim.
Pick the shape, then fine-tune it.
Unlike a lot of home policies that come in one form, Custom360 lets you choose how much protection is built in — and adjust from there.
Signature Home
Affordable, reliable protection with dependable service and support when you need it most. The right starting point when you want solid coverage without paying for extras you won't use.
Preferred Home
Layers on additional protection for owners looking to broaden coverage with one simple step up — building in things like personal injury and a stronger extended-replacement-cost option.
Elite Home
The robust level for life's uncertainties — higher personal-property and loss-of-use limits, open-peril contents, water backup and more built in, so your most valued assets are protected.
| Coverage | Signature | Preferred | Elite |
|---|---|---|---|
| Personal property (% of dwelling) | 50% | 50% | 70% |
| Additional living expense | 20% | 20% | 40% |
| Extended replacement cost | Optional | 25% | 50% |
| Building codes (ordinance & law) | 10% | 15% | 25% |
| Personal injury | Optional | Included | Included |
| Open peril (contents) | Optional | Optional | Included |
| Water backup | Optional | Optional | Included |
| Loss assessments | $500 | $3,000 | $10,000 |
| Fire department charges | $500 | $750 | $1,000 |
Standard home coverages.
Dwelling
The structure of your home itself — the number that has to be set to real rebuild cost, not market price, or a total loss won't rebuild.
Other Structures
Detached garages, fences, sheds and the like — typically a percentage of your dwelling limit, adjustable if you've got more out back.
Personal Property
Your belongings. The level sets how much you carry (50% of dwelling on Signature, up to 70% on Elite), with scheduling for high-value items.
Loss of Use & Liability
Loss of use pays to live elsewhere while the home is repaired; personal liability responds if someone is hurt or you damage others' property.
When the house needs more than a standard form.
Above the three Custom360 levels sits NatGen Premier, National General's solution for high-value homes. Homes insured at roughly $750,000 or more can be written with the Premier Client Home Endorsement, which layers on the coverages a larger or custom home actually needs.
What the Premier endorsement adds.
Guaranteed replacement cost (rebuild even if it exceeds the policy limit), a large-loss deductible waiver, a cash-out option on a covered total loss if you'd rather not rebuild, and unlimited loss of use — plus the usual high-value extras like extended replacement cost, water backup, ordinance & law, equipment breakdown and service line. If your home is in that range, tell us and we'll route it to the right National General Premier solution or the right high-value market.
Optional coverages we bring up most.
These are the Custom360 add-ons that change how a real home loss plays out. Several are built into Preferred or Elite; on Signature you add them individually.
Extended Replacement Cost
Pays above your dwelling limit to repair or rebuild after a covered loss — the buffer that matters when construction costs jump. Built in on Preferred and Elite.
Water Backup
Covers damage from a sewer backup or sump-pump overflow — a common loss that a base policy often excludes. Built into Elite.
Home Systems
Covers a sudden, accidental breakdown of home systems like a furnace or hot water heater — the kind of failure a standard policy treats as wear-and-tear.
Service Line
Repair or replacement of the exterior utility lines you're on the hook for — water, sewer, power — when one fails underground.
Scheduled Personal Property
Increases coverage on specific high-value items — rings, art, furs, collections — beyond the standard contents sublimits.
Roof / Siding Matching
Pays to replace undamaged roof or siding when the damaged section can't be matched — so you don't end up with a two-tone house after a repair.
More on the menu — identity theft, open-peril contents, home sharing and more.
Custom360 also offers identity-theft restoration, open peril for contents (broader protection for your belongings), electronic data recovery, building codes / ordinance & law, and home sharing for when you rent the place out short-term. We walk your home and flag the handful that actually fit — you shouldn't pay for coverages you don't need.
How is your roof actually settled?
In hail and wind country, this is the single detail that decides a home claim — and it's the one most homeowners never check until they're standing under a tarp. When a roof is damaged, the policy pays one of two ways: full replacement cost, or on an age-based roof payment schedule that depreciates the payout as the roof gets older. Which one applies to your policy is set by underwriting, based on the roof's age and condition.
We tell you which one you have — before the storm, not after.
A policy that settles your roof on a schedule can still be the right policy — sometimes it's the difference between insurable and not, or a much lower premium. What's not okay is finding out at claim time that a fifteen-year-old roof pays a depreciated check instead of a full replacement. We read the roof terms on your Custom360 policy, tell you plainly which settlement applies, and price the alternatives so you're choosing it on purpose.
Hail, wind, and the limits that get overlooked.
Northwest Arkansas homes take real weather — hail, straight-line wind, and tornado exposure — which is why roof age and settlement drive so much of the conversation here, and why many policies carry a separate wind/hail deductible that's a percentage of the dwelling limit rather than a flat dollar amount. It's worth knowing that number before a storm, not reading it off a claim check.
Two more that catch Arkansas owners: replacement cost — insuring the dwelling to what it actually costs to rebuild today, which has moved a lot — and earthquake. Arkansas sits near the New Madrid seismic zone, and standard home policies exclude earthquake; where it's available it's a separate endorsement or policy, not something baked in. Tell us what you're worried about and we'll make sure the coverage matches the exposure.
The pieces we'll talk through.
Priced on the house — not a webpage.
No two homes price alike, so a planning number would mislead more than help — this isn't a quote or a guarantee. Which Custom360 level you choose is only one input; here's what actually moves a home number in Arkansas:
Strong balance sheet, honest caveats.
On August 28, 2025, AM Best affirmed the members of Allstate Insurance Group — the companies behind National General's US home policies — at a Financial Strength Rating of A+ (Superior), stable outlook.
Where National General is strong on home
- A real choice of coverage level. Signature, Preferred and Elite let you match protection to the house instead of taking one fixed form.
- Range from starter to high-value. Custom360 covers the everyday home, and NatGen Premier reaches high-value homes at $750k+ with guaranteed replacement cost and more.
- A+ (Superior) Allstate-group paper, and a broad optional menu — water backup, service line, home systems, scheduled property — to fill the real gaps.
- Independent-agency distribution, so we put it head-to-head with our Allstate contract and 40-plus markets instead of guessing.
What we'll tell you honestly
- Ask about the roof first. Whether it settles at replacement cost or on an age schedule is underwriting-driven — we tell you which you have before you buy, not after a storm.
- A rating measures solvency, not service. A+ means the company can pay; it doesn't grade how a claim will feel. Claims experience is where we ride the file.
- Simple homes may price better elsewhere. We run National General against our Allstate contract and other markets and say plainly when another wins.
- Earthquake and flood are separate. Neither is in a standard home policy near the New Madrid zone — we handle them or point you to the right place. And we don't adjust your claim; we advocate on it.
The other lines we place — and where they live.
One account, two contracts, one agency.
Home, auto, renters, condo, landlord, umbrella and RV all sit on both our National General and Allstate contracts — same A+ rating unit, two doors onto it. We run both on your home and tell you which wins, which is the part a captive agent structurally can't do.
National General home questions.
What are the three National General home coverage levels?
Custom360 homeowners comes in three coverage levels you actually choose between: Signature (affordable, reliable base protection), Preferred (layers on more — building in things like personal injury and a higher extended-replacement-cost option), and Elite (the most robust — higher personal-property and loss-of-use limits, open-peril contents, water backup and more built in).
All three start from the same standard coverages — dwelling, other structures, personal property, loss of use and liability — and you can add optional coverages to any of them. We'll walk you through which level actually fits your house.
Does National General insure high-value homes?
Yes — that's what NatGen Premier is for. Homes insured at roughly $750,000 or more can be written on National General's Premier high-value solution, which starts from an HO3 form and adds a Premier Client Home Endorsement with coverages built for high-value homes: guaranteed replacement cost, a large-loss deductible waiver, a cash-out option, and unlimited loss of use, among others.
If your home is in that range, tell us and we'll route it to the right National General Premier solution or the right high-value market.
How does National General cover my roof in Arkansas?
This is the question to ask in Arkansas, and the honest answer is: it depends on underwriting. Roof losses are settled either at full replacement cost or on an age-based roof payment schedule, and which one applies to your policy is set by underwriting based on the roof's age and condition.
In hail and wind country that single detail decides whether a roof claim rebuilds your roof or writes you a depreciated check — so we read it on your policy and tell you plainly which you have before you're standing under a tarp.
What optional coverages does National General home offer?
A broad menu you add to any level: home systems (equipment breakdown of a furnace or water heater), service line (exterior utility lines), water backup (sewer/sump overflow), extended replacement cost, scheduled personal property for jewelry/art/collections, identity theft, open peril for contents, roof and siding matching, building codes (ordinance and law), home sharing, and more.
Some are built into the higher levels and optional on the lower ones. We'll flag the handful that actually fit your home instead of selling you the whole list.
Is National General home the same paper as Allstate, and whose rating applies?
National General has been an Allstate company since January 2021, and the US National General companies are members of Allstate Insurance Group. AM Best affirmed Allstate Insurance Group at a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of "aa-" (Superior) on August 28, 2025, with a stable outlook — that's the rating on your Arkansas home policy.
A separate Bermuda entity, National General Insurance Ltd., is rated A (Excellent), a notch lower; don't confuse the two. Ratings change; the current one is at ambest.com.
How do I get a National General home quote in Bentonville or Rogers?
Start at our personal lines quote form or call (479) 286-1066. If you have a current declarations page, send it — reading what you already carry is faster than answering questions about it, and it's how we catch the roof-settlement terms, the deductibles and the limits that get overlooked.
Because we're independent, we'll run National General against our Allstate contract and 40-plus other markets and tell you honestly which fits your home best.
If our carrier and coverage guides are helpful, mark Cribb Insurance as a preferred source so more Northwest Arkansas homeowners find our local, plain-English explanations.
Send us the declarations page — we'll start with the roof.
Tell us the home: the rebuild value, the roof's age, and what you're worried about. We'll match it to the right Custom360 level (or NatGen Premier if it's high-value), read your roof settlement and deductibles back to you in plain English, run it against our Allstate contract and 40-plus markets, and make sure earthquake and flood are handled or pointed to the right place. If what you have is already right, we'll tell you that too.
Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas. We are not National General or Allstate, and this page is authored independently and is not endorsed, sponsored, reviewed, or approved by either. "National General," "Custom360," "NatGen Premier," and "Allstate" are trademarks or service marks of Allstate Insurance Company and its affiliates, used here nominatively to identify products and programs we are appointed to place or refer. National General's Arkansas home policies are underwritten by member companies of National General, an Allstate company. NatGen Premier high-value coverage is a distinct program that may be written or referred through a separate channel and is subject to its own eligibility, endorsements, and availability.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverage levels (Signature, Preferred, Elite), standard and optional coverages, endorsements, limits, percentages of dwelling coverage, roof settlement terms, deductibles (including any wind/hail deductible), eligibility, and availability vary by home, by state, by policy, and over time, are set by the carrier, and are subject to underwriting review, guidelines, and approval and to the terms, conditions, limits, and exclusions of the policy actually issued. The level comparison shown is a general illustration of how coverages are included, optional, or scaled at each level; exact figures are confirmed at quote. How a roof loss is settled — replacement cost or an age-based schedule — is determined by carrier underwriting. Earthquake and flood are generally excluded from a standard homeowners policy and, where available, are separate coverage. If anything on this page conflicts with the issued policy, the policy controls.
Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, are not recommendations to purchase, hold or terminate any policy, and do not address an insurer's claims-handling practices; current ratings are at ambest.com. The A+ (Superior) rating referenced applies to the members of Allstate Insurance Group as affirmed by AM Best on August 28, 2025; National General Insurance Ltd. (Bermuda) is a separately rated entity carrying a different rating. Statements about Arkansas weather exposure and seismic risk are general information; confirm your specific exposures and requirements with a qualified advisor. If anything here conflicts with the issued policy, the policy controls.
Last reviewed July 2026.