National Lloyds Insurance Review

National Lloyds Insurance Company is not an auto insurance company. It specializes in extended coverage and fire insurance for low-valued dwellings.

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Company Details

Address:

510 North Valley Mills Drive Suite 202

City:
Waco
State:
TX
ZIP Code:
76710
Phone Number:
1-800-749-6419
Year Founded
1948
AM Best Rating:
A (Excellent)
Company Rating 0 (0 reviews)

Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
Licensed Insurance Agenthttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/aiorg-live/d98a9f52-daniel-walker.png

UPDATED: Apr 16, 2020

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Things to Remember...
  • National Lloyds Insurance Company is not an auto insurance company
  • The National Lloyds Insurance Company specializes in writing extended coverage and fire insurance for low valued dwellings, mobile homes, and flood coverage
  • The National Lloyds Insurance Company sells insurance through independent insurance agents. An independent insurance agency represents multiple private insurers at one time


This National Lloyds Auto Insurance review is a review of the National Lloyds Insurance Company located in Waco, Texas.

The National Lloyds Insurance Company began in 1948. This company is not an auto insurance company.

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The National Lloyds Insurance Company specializes in writing extended coverage and fire insurance for low valued dwellings, mobile homes, and flood coverage.

Again, you will not be able to obtain any type of auto insurance coverage through this provider.

National Lloyds Insurance Company Operations

The National Lloyds Insurance Company sells its specialized lines of insurance through independent insurance agents. An independent insurance agency operates very differently than a private insurance provider.

An independent insurance agency represents multiple private insurers at one time.

What makes this approach much more beneficial to a policyholder is that the independent insurance agency is able to find the best type of insurance policy at the best rates for the policyholder’s needs.

A private insurance provider is much more limited in what kinds of policies they can offer and at what rates.

The National Lloyds Insurance Company mainly operates out of the state of Texas, but does do some business in many other states.

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The Products of the National Lloyds Insurance Company

The National Lloyds Insurance Company offers multiple types of insurance policies. These insurance policies include:

  • Flood
  • Mobile home
  • Apartment renters
  • Homeowners
  • Dwelling fire insurance
  • Commercial insurance

Flood Insurance

The flood insurance program offered by the National Lloyds Insurance Company is available to private homeowners as well as commercial property owners.

The personal homeowner’s flood insurance option covers the building itself up to $250,000 and the contents of the building up to $100,000.

The commercial flood insurance option covers the building up to $500,000 and the contents of the building up to $500,000.

This low-cost flood insurance program is available for the B, C, and X flood zones.

The flood insurance program provided by the National Lloyds Insurance Company is only available in certain states.

Mobile Home Insurance

The mobile home insurance policy offered by the National Lloyds Insurance Company is only available in Georgia, Tennessee, and Texas.

This policy is a comprehensive mobile home insurance policy that offers flood insurance and replacement cost for the mobile home itself as well as the contents of the mobile home.

Mobile home insurance policy also provides comprehensive personal liability coverage and a direct billing option.

It is available for a mobile home that is a primary residence, a secondary home, a seasonal home, or a rental home.

Apartment Rental Insurance

The apartment renter’s insurance policy offered by the National Lloyds Insurance Company is available for those living in Texas, Georgia, Oklahoma, Missouri, and Tennessee.

This insurance plan offers extended coverage and fire coverage for the coverage of the apartment.

This insurance coverage is available in the amounts of $2,500 to $50,000.

Your apartment renter’s insurance policy also comes with a direct bill option.

Special Homeowner’s Insurance

The National Lloyds Insurance Company also has a special homeowners policy available for those living in Texas, Georgia, Oklahoma, Tennessee, New Mexico, and Missouri.

The homeowner’s insurance plan offers an enhanced partial loss endorsement that only excludes the roof.

This plan also offers a glass breakage endorsement in Texas and a direct billing option.

Fire Insurance

The dwelling fire insurance coverage provided by the National Lloyds Insurance Company is available in Texas, Georgia, Tennessee, Missouri, Oklahoma, New Mexico, and Louisiana.

This insurance policy offers fire and extended coverage for the covered building and the building’s contents.

Fire coverage is available for a primary dwelling, secondary home, seasonal home, and for tenants.

The unprotected property is acceptable under this insurance plan and this plan also includes a direct billing option.

Commercial Insurance

The National Lloyds Insurance Company provides commercial insurance policies in Texas.

There are also builders risk policies available in Texas, Tennessee, Missouri, and Oklahoma.

The small package commercial insurance policy provides coverage for the contents of the building as well as liability retail and office coverage.

The commercial insurance offers a $500,000 maximum property value coverage for service, office, and retail buildings.

The special builder’s risk insurance policy offered by the National Lloyds Insurance Company is specialized for renovation and new construction coverage.

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References:

  1. https://www.nationallloydsinsurance.com/
  2. http://www3.ambest.com/ratings/entities/CompanyProfile.aspx?BL=0&ambnum=3238&AltNum=13833238&AltSrc=3
  3. https://en.wikipedia.org/wiki/Independent_insurance_agent
  4. https://www.nationallloydsinsurance.com/about-us/
  5. https://www.nationallloydsinsurance.com/flood-insurance/
  6. https://www.nationallloydsinsurance.com/mobile-homes-insurance/
  7. https://www.nationallloydsinsurance.com/commercial-insurance/


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