National Specialty Insurance Company Review (2022)
National Specialty Insurance Company offers auto, home and specialty insurance products. As a State National Insurance Company subsidiary, National Specialty Insurance holds an "A" with A. M. Best.
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Written by
Chelsey Tucker
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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Types of Insurance Offered
To get the best information about National Specialty Insurance Company, you may want to read our National Specialty Insurance Company review. We explain the company’s availability across the United States and other technical information, which we’ll break down in this guide.
Continue reading to learn about National Specialty Insurance Company’s New York, Montana, and other United States locations. We’ll cover National Specialty Insurance Company auto insurance ratings and review as well.
If you’re ready to compare auto insurance companies in your local area, you can skip this National Specialty Insurance Company review and enter your ZIP code in the free comparison tool above to find the best rates around you.
Table of Contents
What is the National Specialty Insurance Company history?
National Specialty Insurance Company is a subsidiary of the State National Insurance Company. State National Insurance Company Inc. provides:
- Auto
- Airplane
- Home insurance
- Commercial auto
- Earthquake insurance
- Flood insurance.
State National Insurance Company was founded in 1973, but it didn’t start using its current name until 1984.
National Specialty Company’s NAIC number is 22608.
Therefore, National Specialty Insurance Company underwrites home insurance policies. National Specialty Insurance Company is a Markel company, which means the Markel Corp holding company owns them.
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National Specialty Insurance Company Availability
National Specialty Insurance Company reviews all insurance policies for its parent company, which has availability across the nation. You can find National Specialty Insurance Company Florida reviews and complaints online, but you may run into an entirely different company.
National Specialty Insurance Company is a subsidiary of the State National Insurance Company. State National Insurance Company was formerly known as State National Company but changed its name in 1984.
National Specialty Insurance Company shares an A. M. Best “A” rating with its parent company.
National Specialty Insurance is often mistaken for Florida Specialty Insurance Company (FSIC). FSIC has been ordered into receivership management programs by the State of Florida.
If you were looking for the National Specialty Insurance Company in Providence, RI, or Marietta, GA, you might not have any luck finding a physical location. Although National Specialty Insurance Company does business nationwide, its corporate location is in Bedford, TX.
In Marietta, GA, you will find Loya Insurance. If you’ve searched for National Specialty Insurance Company, Loya Insurance in Marietta, GA, may have come up. They’re two different insurance companies, where National Specialty Insurance appears to be part of a more prominent company. This can become confusing, especially if you don’t realize they’re different companies, and end up with Loya after searching for National Specialty Insurance.
Speaking of locations, did you know that full coverage auto insurance rates vary by location? What is full coverage auto insurance? It can be important to know about depending on where you live.
Full coverage auto insurance is liability, collision, and comprehensive coverages combined.
Let’s compare Texas’s average auto insurance rates to the national average to see the difference in auto insurance costs.
| States | Average Annual Liability Rates | Average Annual Collision Rates | Average Annual Comprehensive Rates | Average Annual Full Coverage Rates |
|---|---|---|---|---|
| Texas | $550 | $380 | $207 | $1,137 |
| National Average | $555 | $326 | $148 | $1,030 |
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These average full coverage insurance rates are from the National Association of Insurance Commissioners (NAIC). Texas car insurance is about $107 more expensive than the national average. We used Texas as an example because that’s where National Specialty Insurance is located.
If you get higher auto insurance rates, start asking about discount car insurance options. Bear in mind that not all insurance companies offer bundling options. Shop around for the best rate.
National Specialty Insurance Company Discounts
One of the keys to affordable National Specialty Insurance is discounts. Let’s examine some of the discounts that are available at the National Specialty Insurance Company.
- Fleet Discount – This discount is for companies insurance that has multiple vehicles on the same policy.
- Longtime Customer Discount – For customers who have been with the company over time, you can receive a discount for renewing your policy.
- Multiple Policy Discount – For customers who have multiple insurance policies (bundling insurance policies) with National Specialty, you can get a discount.
- Safe Driver Discount – Maintaining a clean driving record qualifies you for a discount. Clean driving records include no claims, no accidents, and no traffic violations.
Discounts can bring down National Specialty Insurance rates, but you should get an idea of how much you’ll spend once you get National Specialty Insurance quotes on the phone or online.
National Specialty Insurance Company Financial Strength and Credit Ratings
Before you buy National Specialty Insurance Company policies, you should be aware of its financial strength and credit ratings. One of the most reliable rating agencies is A. M. Best.
According to A. M. Best, National Specialty Insurance Company shares its A. M. Best rating with State National Insurance Company since the company serves as National Specialty’s parent company.
National Specialty Insurance Company has an “A” rating with A.M. Best.
It’s not the best rating, but it’s considered an excellent rating, which means National Specialty Insurance Company has a stable financial outlook and has a superior ability to meet its customers’ expectations.
At the Better Business Bureau (BBB), National Specialty Insurance doesn’t have a rating, but State National Insurance Company does. The BBB rating is “A+.” State National Insurance Company has four complaints, and one complaint was closed within the last year.
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State National Insurance Company Contact Information
For this section, we’ll cover all the State National Insurance Company’s contact information and its subsidiaries.
National Special Insurance Company login and website is shared with its sister company, United Specialty Insurance Company MGA. United Specialty Insurance Company provides the same insurance services, including commercial trucking.
You may find United Specialty Insurance Company reviews that describe the company as independent, but it’s under State National Insurance Company.
Here’s a list of National Specialty Insurance Company contact information and United Specialty Insurance Company claims contact information.
- National Specialty Insurance Company Email Address: Unavailable.
- National Specialty Insurance Company Claims Phone Number: 1-817-265-2000 (or toll-free at 1-800-877-4567)
- United National Specialty Insurance Company Email Address: [email protected]
- United National Specialty Insurance Company Claims Phone Number: 1-800-245-1505
Maybe you recently made a claim, and you want to avoid higher auto insurance rates. Use our free comparison tool to compare auto insurance in our local area.
Frequently Asked Questions: National Specialty Insurance Company Review
The final section of this review will go over some frequently asked questions in search engines across the internet when we mention National Specialty Insurance Company reviews.
Do you want to go straight into auto insurance quotes instead of further National Specialty Insurance Company review questions? Enter your ZIP code in the free comparison tool below to start comparing car insurance quotes.
#1 – Is FedNat a good insurance company?
FedNat has an “A” rating with Demotech, which means it has a stable financial filing.
#2 – Is Florida Specialty Insurance going out of business?
FSIC has been ordered into liquidation after the State of Florida found that the company couldn’t cover its expenses.
#3 – Which insurance company is best at paying claims?
USAA is rated as being a company that consistently pays out claims.
#4 – What is a specialty insurance policy?
Specialty insurance is insurance that’s specifically for particular circumstances. For example, there are specialty insurance policies just for restaurants and airplanes. The cost may be more expensive than general commercial insurance, though.
#5 – What are the worst insurance companies?
According to Consumer Reports, the worst insurance companies are Esurance, Nationwide, and Liberty Mutual.