American Summit Insurance Company: Customer Ratings & Reviews [2023]
American Summit Insurance Company is a subsidiary of National Lloyds Insurance Company that offers homeowners insurance and flood insurance, among other coverage types. Use the tool below to compare your National Lloyds Insurance Company quote with other insurers today.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Apr 30, 2023
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 30, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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American Summit Insurance Company
Average monthly rate for good drivers:
N/AA.M. Best rating:
N/AComplaint level:
LowPros
- Offers various types of insurance, including flood and mobile home insurance
- Has online payment options
- A subsidiary of National Lloyds Insurance Company, providing financial backing and security
Cons
- Limited availability in some states
- No specific information on rates or discounts
- Complaints may vary depending on individual experiences.
The Bottom Line
Looking for insurance coverage? One option is American Summit Insurance Company, a subsidiary of National Lloyds Insurance Company, which offers flood insurance, home insurance, and more. The American Summit Insurance phone number is 1-800-749-6419.
You already know the American Summit Insurance Company’s phone number, but you should read this article to find out more about American Summit Insurance Company, the American Summit Insurance Company claims phone number, how to file a claim, etc.
Getting affordable American Summit Insurance Company life insurance is easier than you think. Take a minute to use your ZIP code and get a free quote on insurance before we start on this American Summit Insurance Company Review.
Looking for insurance coverage? One option is American Summit Insurance Company, a subsidiary of National Lloyds Insurance Company, which offers flood insurance, home insurance, and more. The American Summit Insurance phone number is 1-800-749-6419.
You already know the American Summit Insurance Company’s phone number, but you should read this article to find out more about American Summit Insurance Company, the American Summit Insurance Company claims phone number, how to file a claim, etc.
Getting affordable American Summit Insurance Company life insurance is easier than you think. Take a minute to use your ZIP code and get a free quote on insurance before we start on this American Summit Insurance Company Review.
Is American Summit Insurance a Good Choice?
Because American Summit Insurance Company is a subsidiary of National Lloyds Insurance, most of the company ratings are completed at that level, rather than specifically for American Summit.
Better Business Bureau (BBB) says National Lloyds has not been accredited, but the company has an A- rating for complaint handling and customer service. Take a look at this table for more details.
| Rating | Accreditation | Customer Complaints |
|---|---|---|
| A- | Not Accredited | 8 closed in the past 3 years 2 of those in the past 12 months |
A.M. Best, a company that reviews the financial viability of companies in the insurance agency, also has something to say. However, A.M. Best does have a rating for American Summit Insurance Company review specifically, in addition to National Lloyds. Take a look at this table to see American Summit Insurance Company A.M. Best ratings for both entities.
| Insurance Company | Rating | Outlook for the Future |
|---|---|---|
| American Summit Insurance Company | A | Stable |
| National Lloyds Insurance Company | A | Stable |
To learn a little more about A.M. Best and its rating structure, take a look at this video.
As you saw, both American Summit Insurance Company and National Lloyds Insurance have strong financial ratings and stable outlooks for the future, which are good signs for you as an insured.
American Summit Insurance Rates
We don’t have American Summit Insurance Company life insurance rates or rates for their parent company, National Lloyds Insurance, but in general, smaller companies like American Summit can often offer lower rates and more customized policies because of their smaller size.
Why? Because smaller companies can often keep their focus on lower-risk insureds, which helps keep rates down, and fewer insureds means more personalized service and customized policies.
In addition, a small company that is a wholly-owned subsidiary of a larger company often means the benefits of a small company, with the financial backing and security of a larger company, which is also a good thing for you as an insured.
What is American Summit Insurance Company’s availability?
American Summit Insurance is available in a number of states, as is National Lloyds, though the availability of each company varies. Take a look at this table to see what we mean.
| State | American Summit Insurance Company Is Available | National Lloyds Insurance Company is Available |
|---|---|---|
| Alaska | Yes | No |
| Alabama | No | No |
| Arkansas | Yes | Yes |
| Arizona | Yes | Yes |
| California | Yes | No |
| Colorado | Yes | Yes* |
| Connecticut | Yes | No |
| District of Columbia | Yes | No |
| Delaware | Yes | No |
| Florida | Yes | No |
| Georgia | Yes | Yes |
| Hawaii | Yes | No |
| Iowa | Yes | No |
| Idaho | Yes | No |
| Illinois | Yes | Yes |
| Indiana | Yes | Yes |
| Kansas | Yes | No |
| Kentucky | No | Yes |
| Louisiana | Yes* | Yes |
| Maine | Yes | No |
| Maryland | Yes | No |
| Massachusetts | No | No |
| Michigan | No | Yes |
| Minnesota | Yes | No |
| Missouri | Yes | Yes |
| Mississippi | Yes | Yes* |
| Montana | Yes | No |
| North Carolina | No | No |
| North Dakota | Yes | Yes |
| Nebraska | Yes | No |
| New Hampshire | Yes* | No |
| New Jersey | No | No |
| New Mexico | Yes | Yes |
| Nevada | Yes | Yes* |
| New York | No | No |
| Ohio | Yes | Yes |
| Oklahoma | Yes | Yes |
| Oregon | Yes | Yes |
| Pennsylvania | Yes | Yes |
| Rhode Island | No | Yes |
| South Carolina | Yes | Yes |
| South Dakota | Yes | Yes |
| Tennessee | Yes | Yes |
| Texas | Yes | Yes |
| Utah | Yes | No |
| Virginia | Yes | No |
| Vermont | Yes | Yes |
| Washington | No | No |
| West Virginia | Yes | Yes |
| Wisconsin | Yes | No |
| Wyoming | Yes | No |
As you can see, while American Summit Insurance is a subsidiary of National Lloyds, it is actually available in more states. Those states that are noted as available with an asterisk indicate that the availability is as a surplus line, rather than as a fully admitted insurer in the state.
In a way, American Summit Insurance Company is in Waco, TX as there is a National Lloyds Building in Waco, TX; however, the company is based out of Dallas, TX.
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American Summit Insurance Coverage Options
American Summit Insurance offers a variety of coverage options, including:
- Flood Insurance
- Homeowners Insurance
- Mobile Home Insurance
You can also get National Lloyds flood insurance directly from National Lloyds, however, as you saw earlier, American Summit has a wider availability than National Lloyds does.
How to make an American Summit Insurance Company Claim
You can file a claim by calling the company directly using the American Summit Insurance claims phone number, 254-730-9800.
Since they are a subsidiary of National Lloyds, you can use the National Lloyds insurance claims process as well by contacting your agent directly, calling them at 800-749-6419, or by emailing their claims department. If you choose to send an email, you’ll need to include your policy number and a description of the incident and associated loss.
American Summit Insurance Company Review: The Bottom Line
American Summit Insurance Company is a subsidiary of National Lloyd Insurance. The company offers homeowners, mobile home, and flood insurance is 42 states, and they have a solid financial ranking from A.M. Best.
Frequently Asked Questions
What types of insurance does American Summit Insurance Company offer?
American Summit Insurance Company offers homeowners insurance, flood insurance, mobile home insurance, and other coverage types.
What is the American Summit Insurance Company phone number?
The American Summit Insurance Company phone number is 1-800-749-6419.
Is American Summit Insurance Company a good choice?
American Summit Insurance Company has a solid financial ranking from A.M. Best and good customer service ratings from the Better Business Bureau. However, individual experiences may vary.
Does American Summit Insurance Company have online payments?
Yes, American Summit Insurance Company does have online payments.
How can I file a claim with American Summit Insurance Company?
You can file a claim with American Summit Insurance Company by calling their claims phone number at 254-730-9800 or by contacting your agent directly.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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