National Lloyds (now National Summit) – Specialty Property Options for Manufactured, Rental & Vacant Homes
Looking at National Lloyds and how it fits today? Following a 2020 acquisition and a 2021 rebrand, the carrier now operates as National Summit Insurance Company, part of ReAlign Insurance Holdings. The current focus is specialty personal property—manufactured/mobile homes, landlord and dwelling fire, seasonal and vacant dwellings—distributed through independent agents. On this page, we summarize eligibility themes, typical coverage structures, and pricing levers so you can compare National Summit’s positioning against other specialty markets. If you’re searching for a knowledgeable local agent “near me,” use the button below to start a quote and request help aligning limits, deductibles, and endorsements to park, lender, or lease requirements.
Where National Summit fits in the market
Specialty property focus
National Summit (formerly National Lloyds) concentrates on homes that mainstream HO carriers may decline or surcharge—manufactured/mobile homes, older dwellings, rentals, seasonal/secondary residences, and some vacant properties during renovations.
Form flexibility
Programs often span manufactured homeowners-style forms and dwelling fire variants (e.g., DP-1/DP-3 depending on state/eligibility). The aim is practical protection with realistic valuation and deductibles.
Agent-assisted
Products are sold through independent agents who help with eligibility, prior loss documentation, lender/park requirements, and proof of insurance timing.
Brand note
National Lloyds rebranded to National Summit Insurance Company in early 2021 and operates within ReAlign’s domestic program platform. Availability and filings vary by state.
Use the sections below to compare coverages and common options. Your issued policy—and state filings—control what’s covered, limited, or excluded.
Coverage architecture—what to look for
| Line/type | What it protects | Options & notes |
|---|---|---|
| Manufactured/Mobile Home | Dwelling, other structures, personal property, liability, loss of use. | Roof settlement (ACV vs. RCV), wind/hail % deductibles in some ZIPs, water backup, service line (where offered). |
| Dwelling Fire (DP) | Rental or non-owner-occupied homes; structure-focused protection. | DP-1 (named perils) vs. DP-3 (broader); landlord liability; loss of rents; vacancy clauses matter. |
| Seasonal/Secondary | Cabins and second homes with intermittent occupancy. | Unattended time limits; theft/vandalism rules; freeze protection requirements in cold regions. |
| Vacant/Renovation | Homes between tenants or under permitted renovation. | Short-term policies; restrictions on hot work, utilities, and site security; builder’s risk may be required for major projects. |
| Liability & Medical | Third-party injuries and damage tied to premises. | Consider higher limits; add umbrella where exposures or contracts demand. |
| Optional Endorsements | Broadened coverage or compliance items. | Screened enclosure coverage, ordinance or law, equipment breakdown, animal liability (state-dependent). |
Pricing drivers—why two similar homes price differently
Rates reflect construction, location, protection features, and prior losses. The matrix below highlights the biggest levers you can control or document before quoting.
| Driver | Why it matters | What to do |
|---|---|---|
| Roof age & type | Older or brittle roofs raise wind/hail losses; metal/impact roofs fare better. | Document roof year and materials; consider RCV eligibility or accept ACV with higher deductibles. |
| Occupancy & vacancy | Tenant or vacant risks face different theft/water patterns. | Pick the right form (DP vs MH); disclose vacancy length; set water shut-off protocols. |
| Protection class & distance to fire services | Farther from hydrants/stations increases severity potential. | Show photos of access, tanks/pumps; add extinguishers and smoke/CO alarms. |
| Prior losses | Recent frequency/severity drives eligibility and surcharges. | Provide repair receipts; explain mitigation; consider higher wind/hail deductibles. |
| Valuation accuracy | Underinsuring the dwelling can lead to coinsurance penalties. | Measure, inventory, and align Coverage A with true replacement cost. |
| Endorsement mix | Broader terms improve protection but add premium. | Prioritize contract/park requirements first; add elective extras as budget allows. |
Underwriting readiness—what to gather before you quote
- Address & build details: Year built, square footage, roof and system ages, foundation type.
- Occupancy status: Owner, tenant, seasonal, or vacant; expected vacancy length and security steps.
- Photos: Four exteriors + roof close-ups; panel, water heater, and any prior repair areas.
- Loss history: Five years where available; receipts or permits showing completed repairs.
- Requirements: Park/lender/lease wording (limits, deductibles, liability, proof of insurance due dates).
Service areas & licensing
| Target Cities | Licensed States |
|---|---|
| Phoenix, Tucson, Glendale, Mesa, Scottsdale, Chandler, Tempe, Peoria, Surprise, Flagstaff, Dallas, Austin, Houston, San Antonio, El Paso, Albuquerque, Oklahoma City, Miami, Orlando, Tampa | AZ, TX, CA, NM, OK, FL, AL, GA, SC, NC, VA, OH, MI, NY, NE, KS, IA, SD, WV |
National Lloyds / National Summit: FAQ
Is National Lloyds still writing new policies?
The brand now operates as National Summit Insurance Company. Availability varies by state and program; an agent can confirm current filings and eligibility for manufactured, rental, seasonal, or vacant homes.
What policy type should I expect for a rental house?
Most rentals use a dwelling fire (DP) form with options for landlord liability and loss of rents. The precise DP version depends on underwriting and state rules.
Can I get replacement cost on the roof?
Possibly—eligibility depends on roof age/materials and state filings. Some programs settle roofs at ACV; others offer RCV with age limits or surcharges.
What if my home is vacant during renovations?
Short-term or renovation-friendly forms may apply. Major projects might require a builder’s risk policy; disclose the scope, timeline, and site security when quoting.
How do I keep premiums predictable?
Right-size Coverage A with true replacement cost, choose deductibles you can afford, and document improvements like roof upgrades, alarms, and water shut-offs. Re-shop before renewals if losses or filings changed.
Independent agency: Blake Insurance Group LLC is an independent insurance agency. We compare multiple carriers—including specialty property markets—to fit your occupancy, valuation, and budget.
Brand ownership: National Lloyds® / National Summit® and all related marks belong to their respective owners. Use is for identification only; no affiliation or endorsement is implied.
Licensing: Licensed insurance producer (NPN 16944666). See the service area table for state availability. Program and policy terms vary by state; your issued policy governs.
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Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
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Blake Nwosu
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