The National Security Group
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
For Home business, National Security Group’s verified public guidance is centered on its Limited Homeowners product rather than a formal broker appetite guide. Preferred/target business appears to be homes that do not fit standard homeowners markets due to age, size, value, or location, written on a limited homeowners basis with property and liability coverage. Publicly listed home-related personal lines programs also include Dwelling Fire / Mobile Home and Comprehensive Mobile Homeowners, and the carrier states it specializes in fire and extended coverage on dwellings and mobile homes inside and outside city limits, including tenant-occupied, seasonal, and vacant risks. Geographic availability shown on the official site for Limited Homeowners is Alabama, Arkansas, Georgia, Mississippi, Oklahoma, South Carolina, and Tennessee. Mississippi coastal/wind restrictions are specifically noted: for Limited Homeowners, windstorm or hail is excluded in Harrison, Hancock, Jackson, George, Pearl River, and Stone counties; for related dwelling/mobile home products, windstorm or hail is excluded in Harrison, Hancock, and Jackson counties. Coverage is named/limited rather than broad standard HO appetite; public examples include limited water damage ($1,500) and limited theft ($1,000) on Limited Homeowners, and actual-cash-value named peril treatment on the Dwelling Fire / Mobile Home form. No formal public declination list was found, but the product positioning implies they are a fit for harder-to-place nonstandard homes and habitational risks rather than standard preferred HO-3 business. Submission/broker notes: business is distributed through agents; the site provides a P&C agent login and a Become an Agent page rather than a public submission portal. For agency appointment, National Security requests an agency application/profile with prior-year premium, personal-lines mix, expected premium volume, represented carriers, ownership/principal details, E&O coverage, and agent roster; each appointed agent must complete an individual application and attach a current P&C license. Operationally, underwriting contact instructions on the official phone access page direct new binder submissions to underwriting message code 5131, already-submitted binders to 5132, and live underwriting assistance during business hours to 5133.