American Summit contact and quotes
American Summit Insurance Company
Policyholder contact (American Summit)…
800-749-6419
Home Office
469-357-9300
Mailing: 6031 Connection Dr, Ste 250, Irving, TX 75039
We’re an independent brokerage… available now to compare home insurance with other carriers like Progressive Home, RT Special, Foremost Star and more… so you can find affordable rates and the right coverage.
Why compare with A Plus Insurance
We run American Summit alongside other home insurers so you get a competitive, fair view. Fast quotes, clear options, and same day binders when needed. You can also compare multiple carriers through a broker.
Who it fits
Homeowners, condo unit owners, landlords, and tenants… single family homes, townhomes, condos, manufactured homes, even older homes with updates. We tailor limits, deductibles, and endorsements for value.
Company & Availability
Is American Summit available in my state?
Availability varies by location and product… we check your address and compare alternatives when needed.
What types of home policies does American Summit write?
Homeowners, condo, and landlord where eligible… commonly HO-3, HO-6, and DP-3 equivalents depending on state.
Can I switch mid term from my current home insurer?
Yes… we align dates to avoid a lapse and help cancel the old policy after bind.
Do I need prior home insurance to qualify?
Continuous insurance can help pricing… we still quote if you are a first time buyer or returning to coverage.
How fast can I get proof of coverage?
Same day in many cases… we send a binder and declarations after bind.
Where can I read home insurance basics?
Start with our general Insurance FAQs… we can answer specifics by phone or text.
Pricing & Discounts
Is American Summit affordable for first time homebuyers?
Often competitive when the roof is newer, updates are documented, and there are no recent claims… we test several carriers side by side.
Which home discounts are common?
Multi policy, protective devices, new roof, claims free, paperless, EFT… auto can be placed with partner carriers to pursue a bundle discount when available.
Fast ways to lower my home rate?
Choose higher deductibles, consider a separate wind or hurricane deductible when offered, document updates, and compare quotes across carriers.
Do home characteristics change price a lot?
Yes… year built, roof type, wiring and plumbing, distance from coast, and prior claims all influence price.
Does credit and claims history affect my premium?
In many states yes… loss free history and good credit can improve pricing.
Can I get a pay in full or EFT discount?
Often yes… paid in full and EFT can help total premium.
Policy & Coverage
What does dwelling coverage include?
Coverage A protects the structure… we help set a replacement cost that reflects local materials and labor.
How are personal belongings covered?
Coverage C protects furniture, clothing, and electronics… you can select replacement cost on personal property in many states.
Which deductibles should I pick?
Common choices are 1% or a flat amount for all perils… some areas also have a separate wind or hurricane deductible.
Do I need water backup or equipment breakdown?
These are popular endorsements… water backup covers sump or drain issues, equipment breakdown helps with HVAC and appliances.
What about liability and medical payments?
Personal liability protects you for injuries or damage you cause to others… medical payments helps guests who are injured at your home.
Is ordinance or law important?
Yes… it helps pay for code upgrades during a covered repair, which can be significant in older homes.
Dwelling
Rebuild cost for the structure… set a proper Coverage A and review inflation guard.
Personal Property
Belongings protection… consider replacement cost and scheduled items for jewelry or art.
Liability
Protects you if someone is injured or you cause property damage… umbrella can extend limits.
Endorsements
Water backup, equipment breakdown, ordinance or law, special personal property, and more.
Claims & Payments
How do I file a home claim?
File through us or directly with the carrier… we help with next steps, estimates, and documentation.
Will a weather claim raise my premium?
It can influence pricing… frequency and severity matter, we will shop if rates change.
Do I choose the contractor?
Usually yes… use licensed contractors and keep receipts… we can guide you through the process.
How fast can I get proof of coverage after I buy?
Same day in most cases… we send a binder and declarations electronically.
What payment plans are common?
Paid in full or monthly with EFT or card… paperless and EFT can help pricing.