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
Verified current public guidance is limited and product-oriented rather than a formal broker appetite guide. For Home, National Security’s public Limited Homeowner’s program targets owner-occupied homes that do not fit standard homeowner markets, especially due to age, size, value, or location. The company positions itself broadly as a non-standard property writer and also states it specializes in fire and extended coverage on dwellings and mobile homes, including risks inside and outside city limits, plus tenant-occupied and seasonal risks under other P&C programs. Limited Homeowner’s is available in Alabama, Arkansas, Georgia, Mississippi, Oklahoma, South Carolina, and Tennessee. Publicly stated coverage is named-peril style and includes fire/lightning, windstorm/hail, explosion, riot/civil commotion, aircraft, vehicles, sudden and accidental smoke, sinkhole collapse, vandalism, weight of ice/snow/sleet, limited water damage ($1,500), and limited theft ($1,000). A notable geographic restriction is that windstorm/hail is excluded in Mississippi counties Harrison, Hancock, Jackson, George, Pearl River, and Stone. No public official page located with a full class-by-class decline list, valuation thresholds, protection-class limits, age/roof restrictions, or submission checklist for this Home product. Producer-facing instructions that are publicly available relate mostly to agency appointment: agencies/agents seeking access should use the Become an Agent / appointment materials, complete all questions, provide agency profile details, prior carrier relationships, ownership/principal information, E&O coverage information, and individual producer details; individual applicants must provide state producer license number, NPN, experience, background disclosures, and a copy of the current P&C license. If also seeking Life/Health appointment, an L&H license copy is required. Public agent access points include separate P&C and life/annuity logins, indicating business is intended to flow through appointed agents rather than direct online submissions. Overall operational takeaway: treat this as a regional non-standard homeowners market for harder-to-place owner-occupied homes, with important Mississippi coastal/cat wind limitations and limited public underwriting detail; confirm any binding, eligibility, or documentation requirements through appointed-agent channels before quoting or submitting.