National Lloyds (Now National Summit) Customer Service, Claims, and Bill Pay Contacts

Contact directory

National Lloyds phone numbers and official links

Start with the table below. Each row shows a phone number or official link we found on National Lloyds's own website, plus what it's for. Tap a number to call from your phone.

Common reasons to contact National Lloyds

• Report storm, fire, water, theft, or liability damage
• Check on an open claim or an adjuster visit
• Make a payment or update your mortgage company
• Change coverage limits or deductibles
• Request a declarations page or proof of insurance
• Ask about endorsements such as water backup

Tips for a faster call

Have your National Lloyds policy number and the named insured's details ready before you call. Write down the date, the name of the person you speak with, and any reference or claim number they give you. If you're calling about a claim, ask what the next step is, how long it usually takes, and how you'll get updates. If you're calling about a bill, ask for the amount due, the due date, and whether your last payment has posted.

If you'd rather not wait on hold, check whether National Lloyds offers the same service online or in an app. Many policy changes, ID card requests, and payments can be handled without a call.

Claims

How to file and track a National Lloyds claim

You can report a claim at any time. For Personal Property, Dwelling, or Manufactured Home business written through Nalico partners, call 1-800-749-6419 (toll-free). The company’s contact page also provides an online contact option for claims. Use the policy information available to you when submitting the claim, and keep the claim details for your records.

For a claim question or update, email Claims@ReAlignInsurance.com. ReAlign Insurance Holdings also lists its headquarters phone, 469-357-9300, on the contact page. Have your policy number, date of loss, property address, and a clear description of the damage ready. If your policy was not written through a Nalico partner, review your policy documents or use the company’s official contact page to identify the right route.

Before you report a claim

• Stay safe first. Leave the home if it isn't safe, and call 911 or the utility company for fires, gas leaks, or downed lines.
• Prevent more damage. The Insurance Information Institute (III) suggests making temporary repairs you can do safely, such as covering a broken window or roof, and keeping the receipts.
• Document everything. Photograph the damage if it's safe, and make a detailed list of damaged or lost items.
• Report it promptly. Call National Lloyds or use its online claim tool, and have your policy number ready.
• Track extra costs. If you can't stay in your home, the III recommends keeping hotel, meal, and other expense receipts.

What happens after you file

After you report a claim, National Lloyds assigns an adjuster who may inspect the damage in person or ask for photos and estimates. The III suggests getting a written estimate for permanent repairs from a licensed contractor. Your deductible is usually subtracted from a covered payment, and if you have a mortgage, the check may include your lender.

If you disagree with a decision, ask National Lloyds for a written explanation and try to resolve it with the company. If you still can't, you can contact your state insurance department. Flood damage is usually excluded from standard home policies and needs separate flood coverage.

Billing

How to pay your National Lloyds bill

Insureds can view additional information about a Homeowner, Mobile Home, or Dwelling policy and make a payment through the Insured Portal. The company’s contact page provides the Make a Payment link to that portal. Have your policy number and billing information ready when you begin the payment.

Payments made through the website after 7:30 pm CST post on the next business day. Use the official payment page for online payment access, and save the confirmation information after submitting a payment. Check your account or billing statement to confirm that the payment posted.

Whichever method you choose, save your billing statements and payment confirmations until the policy term ends. If you change banks or cards, update your payment details with National Lloyds before the next draft date so a payment doesn't fail.

Tips for paying safely

• Use official channels only. Pay through National Lloyds's website, app, or the number on your statement, or through your agent.
• Check the web address before you enter card or bank details, and be wary of payment links sent by text or email.
• Keep your confirmation number for every payment.
• Ask about autopay or paid-in-full options. Some companies offer them.
• Act quickly on a late notice. Grace periods vary by company and state, and a missed payment can lead to cancellation.

Company background

About National Lloyds

National Lloyds Insurance Company was chartered and licensed as a Texas Lloyds insurance company in 1948. In 2007, Hilltop Holdings acquired National Lloyds and American Summit Insurance Company. In 2018, National Lloyds moved its headquarters from Waco, Texas, to downtown Dallas and renewed its focus on low-value dwellings, homeowners, and mobile homes in the southern half of the United States.

On June 30, 2020, ReAlign Insurance Holdings, LLC acquired National Lloyds and American Summit from Hilltop Holdings. National Lloyds is now identified as National Summit Insurance Company, formerly known as National Lloyds Insurance Company. ReAlign operates through a network of more than 4,000 agents and is licensed or authorized in 49 states. National Summit is a Texas-admitted carrier licensed in 41 states.

Your agent

How Blake Insurance Group can help National Lloyds customers

As an independent agency, we can help you reach the right National Lloyds department, explain what your policy covers, and follow up if a claim or billing issue stalls. National Lloyds makes the claim decision and issues payment, but we can help you prepare and ask the right questions.

After a loss is also a smart time to review your limits and deductibles. Learn more about homeowners insurance, flood insurance, and renters insurance.

Take the next step

Need help reaching National Lloyds?

Call us and have this ready so we can help quickly.

• Your National Lloyds policy number.
• Your claim number, if you've already reported the claim.
• The date and a short description of what happened.
• Your most recent billing statement, if the question is about a payment.
• The best phone number and time to reach you.

Shopping for coverage or want a second opinion? Our licensed agents compare options from multiple companies. Office hours are Monday to Friday, 9:00 to 5:00.

Common questions

Frequently asked questions

Keep researching

Related guides and official sources

These Blake Insurance Group pages can help with related questions.

We checked the contact details on this page against National Lloyds's websites and these consumer sources in September 2026:

• National Lloyds: Contact us (external site)
• National Lloyds: Our businesses (external site)
• National Lloyds: About us (external site)
• Insurance Information Institute: Tips for filing a claim (external site)
• NAIC: Insurance fraud (external site)
• NAIC: Consumer resources and state insurance departments (external site)

Contact information disclosure: Blake Insurance Group LLC is an independent insurance agency. We are not National Lloyds, and this page is not operated by or affiliated with National Lloyds. We gathered the phone numbers and links on this page from National Lloyds's own public websites in September 2026 so policyholders can reach the company quickly. Numbers, hours, and options can change and can differ by state, product, and policy, so confirm them on your policy documents. Claims decisions, payments, and billing are handled by the insurance company under your policy. Company names are used for identification only, and links to other websites are provided for convenience. Your policy documents control your coverage.