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
No publicly available, detailed underwriting or risk‑appetite guide for The National Security Group (National Security Fire & Casualty Company) homeowners or dwelling products could be located. The carrier’s public product page indicates a non‑standard/specialty personal property appetite, focusing on homes and mobile homes that do not qualify for standard markets due to age, size, location, or valuation. Dwelling Fire & Mobile Homes, Limited Homeowners, and Comprehensive Mobile Homeowners are all positioned as solutions for owner‑occupied, tenant, seasonal, or rental properties that are older, smaller, or otherwise outside admitted standard guidelines, with landlord schedules and contents‑only options also offered. This implies a preferred focus on basic and limited‑form property coverage rather than broad HO‑3/HO‑5 type risks, and an operational expectation that agents place more challenging personal property business here rather than standard carrier‑quality homes. Geographic/coverage indications from National Security materials show that coverage is offered in specific states with coastal and severe‑weather restrictions in at least some jurisdictions. For example, a Mississippi peril‑coverage reference chart shows wind and hail is not available in certain high‑hazard coastal counties for Limited Homeowners, Dwelling Fire & EC, and Comprehensive Mobile Homeowners business, indicating a conservative stance on CAT‑exposed coastal wind and hail. Agents are directed in that chart to refer back to their underwriting manuals and policy forms for full eligibility rules, suggesting state‑specific manuals exist behind the agent portal. Submission requirements and producer instructions for underwriting are not detailed publicly. The carrier’s agent and mortgagee portals emphasize that policy changes, declarations, and mortgagee requests should be handled through dedicated online tools or standard service channels, and the Mississippi coverage chart lists a specific underwriting phone contact number for questions. In practice, this means producers should rely on the internal National Security agent portal and state‑specific underwriting manuals for binding authority, eligibility screens, and any required photos or inspections, and should expect stricter rules or referral requirements in coastal/brush or otherwise high‑hazard territories. Because no formal public underwriting or appetite guide is posted, all detailed risk‑class decisions, restricted classes (e.g., certain coastal wind/hail, non‑owner‑occupied risks in specific programs), and documentation standards must be confirmed directly with National Security underwriting.