American Summit Insurance Company: Customer Ratings & Reviews [2024]
Unleash comprehensive insurance coverage through American Summit Insurance Company, a subsidiary of National Lloyds Insurance Company, specializing in homeowners and flood insurance.
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
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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 23, 2024
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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2 reviews
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American Summit Insurance Company
Average Monthly Rate For Good Drivers
$135A.M. Best Rating:
AComplaint Level:
LowPros
- Positive feedback about the company’s customer service and responsiveness.
- Satisfactory claim settlement process and timely payouts.
- Competitive pricing and discounts.
- Range of insurance products to meet diverse needs.
- User-friendly digital platforms for policy management and claims.
Cons
- Some customers may have experienced delays or difficulties in the claims process.
- Limited availability in certain regions or states.
- Certain policyholders may have faced issues with coverage or policy terms.
American Summit Insurance Company, a subsidiary of National Lloyds Insurance Company, offers a diverse range of coverage, including homeowners and flood insurance. The company stands out with strong financial ratings from A.M. Best, reflecting stability and reliability.
The article provides valuable information on filing claims, coverage availability in various states, and a comparison of American Summit with larger providers. Additionally, it highlights the potential for personalized service and competitive rates as a result of being a subsidiary.
The discount section outlines various ways policyholders can save, such as multi-policy discounts and loyalty programs. The rankings section emphasizes the company’s positive standing in financial ratings and customer service. Overall, the article serves as a comprehensive guide for individuals seeking insights into American Summit Insurance Company and its offerings.
What You Should Know About American Summit Insurance
The Lowdown: American Summit Insurance Company
| Things to Know | Source |
|---|---|
| American Summit Insurance Company is a wholly-owned subsidiary of National Lloyds Insurance | American Summit Insurance Company |
| American Summit Insurance offers homeowners, flood, and mobile home insurance coverage | National Lloyds Insurance |
| American Summit Insurance Company is available in 42 states | American Summit Insurance Company |
| The company website is www.nationallloydsinsurance.com/ | American Summit Insurance Company |
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.
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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.
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.
American Summit and National Lloyds Insurance Availability by State
| 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.
American Summit Insurance Rates Breakdown
| Driver Profile | American Summit | National Average |
|---|---|---|
| Clean Record | $190 | $119 |
| 1+ Ticket | $230 | $147 |
| 1+ Accident | $260 | $173 |
| DUI | $440 | $209 |
| Poor Credit | $327 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
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.
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American Summit Insurance Company: Insurance Ratings
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.
National Lloyds Insurance BBB Ratings
| 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.
American Summit and National Lloyds Insurance Company A.M. Best Financial Ratings
| 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 Discounts Available
| Discount | American Summit |
|---|---|
| Anti Theft | 7% |
| Good Student | 14% |
| Low Mileage | 10% |
| Paperless | 6% |
| Safe Driver | 20% |
| Senior Driver | 9% |
Explore potential savings with American Summit Insurance Company through various discounts tailored to meet your coverage needs:
- Multi-Policy Discount: Combine your homeowners or flood insurance with other policies to unlock significant savings.
- Good Driver Discounts: Enjoy reduced rates if you maintain a good driving record.
- Affiliation Discounts: Check for discounts based on affiliations, memberships, or employer partnerships.
- Loyalty Discounts: Benefit from loyalty programs that reward long-term customers with premium discounts.
- Bundle and Save: Bundle multiple insurance policies, such as home and auto, for additional cost savings.
Contact American Summit Insurance Company to explore personalized discount opportunities and maximize your insurance savings.
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.
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How American Summit Insurance Ranks Among Providers
Discover where American Summit Insurance Company stands in comparison to other insurance providers:
- A.M. Best Financial Ratings: American Summit Insurance Company, as a subsidiary of National Lloyds Insurance, holds strong financial ratings from A.M. Best, reflecting a stable and secure financial position.
- Better Business Bureau (BBB) Ratings: While National Lloyds has not been accredited by the BBB, it maintains an A- rating for complaint handling and customer service, indicating a commitment to customer satisfaction.
- Industry Recognition: American Summit Insurance Company benefits from its association with National Lloyds, a company recognized for its contributions to the insurance industry.
- Customer Reviews and Ratings: Gauge customer satisfaction by exploring reviews and ratings for American Summit Insurance Company, providing valuable insights into the customer experience.
As you evaluate insurance options, consider these factors to determine how American Summit Insurance Company ranks among industry peers.
Frequently Asked Questions
What types of insurance does American Summit Insurance Company offer?
American Summit Insurance Company provides a range of insurance options, including homeowners and flood insurance.
How can I file a claim with American Summit Insurance Company?
To file a claim, you can call the company directly using the American Summit Insurance claims phone number at 254-730-9800. Alternatively, you can use the National Lloyds insurance claims process by contacting your agent directly, calling them at 800-749-6419, or emailing their claims department, including your policy number and a description of the incident.
What is the coverage availability of American Summit Insurance Company?
American Summit Insurance is available in several states, with a wider availability compared to National Lloyds, offering coverage as a surplus line in some states.
How does American Summit Insurance Company compare to larger providers?
Being a subsidiary of National Lloyds, American Summit combines the benefits of a smaller, focused company with the financial backing and security of a larger entity, potentially offering more personalized service and competitive rates.
What are the financial ratings of American Summit Insurance Company?
American Summit Insurance Company, along with National Lloyds Insurance, holds strong financial ratings, providing assurance of stability and reliability for policyholders. A.M. Best rates both entities positively, indicating their financial viability.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
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.
