Carrier update · Updated July 2026
Tired of trying to reach American Summit? We can help you get insured, better.
If you aren’t able to reach American Summit Insurance Company and you need insurance, we can get you insured today. American Summit restructured under ReAlign Insurance Holdings and ended relationships with independent agencies like ours, so local agents can no longer service these policies, and a lot of policyholders tell us it has gotten hard to get answers. We’re an independent brokerage licensed in 35 states, we compare carriers like Foremost, Progressive Home, and RT Special side by side, and we send same-day proof of coverage to you and your lender.
Don’t let the policy lapse
Even a one-day gap invites trouble: your mortgage lender can force-place expensive coverage that protects them, not you, and a lapse can raise your future rates. If you can’t confirm your American Summit policy is in force, act as if the clock is running.
Grab your declarations page
The summary sheet with your coverage amounts, deductible, and policy dates answers almost every quoting question. Can’t find it? We can rebuild the details with you by phone or text in a few minutes.
Get re-insured today
We shop your home, manufactured home, condo, or landlord policy across multiple carriers and send a binder the same day in most cases. Here’s how a broker gets you a fairer comparison.
Carriers we do offer
American Summit is out. These carriers are in.
Straight answers
What happened to American Summit?
American Summit didn’t vanish, but a lot changed at once, and the changes explain why reaching them feels so hard. The company operates under ReAlign Insurance Holdings, which also rebranded its sister carrier National Lloyds to National Summit, and servicing was consolidated away from local independent agencies. That means agencies like ours can no longer access or service these policies, and the local numbers and agents customers used for years no longer work for policy changes. Here’s the split between what we can tell you first-hand and what only the company or your state insurance department can confirm.
From our desk at A Plus Insurance
- American Summit ended its relationships with independent agencies, including ours. We can no longer quote, access, or service these policies in any of our 35 licensed states.
- Your local agent isn’t ignoring you — after the change, local agents simply can’t see or touch these policies anymore.
- Homeowners and manufactured home owners regularly tell us it’s hard to get answers from the centralized service channels about payments, policies, and claims.
- Every policy type American Summit wrote — manufactured home, low-value dwelling, condo, landlord — can be replaced through other carriers we represent, usually same day.
The channels that still work
- To reach them directly: skip old local agent numbers. Use the policyholder line 800-749-6419, the parent company’s site at realigninsurance.com, or write to ReAlign / American Summit, 325 N Saint Paul St, Ste 900, Dallas, TX 75201. Keep copies of everything.
- If you’re getting nowhere: your state Department of Insurance can contact the carrier on your behalf and has authority to make them respond. American Summit is domiciled in Texas; the TDI consumer line is 800-252-3439.
- Only the company or regulators can confirm the current status of your specific policy or claim.
Where your policy goes next
We re-place every policy type American Summit wrote
American Summit’s book was mostly manufactured homes and lower-value dwellings — exactly the markets we quote every day. Here’s where each policy type typically lands:
Foremost & specialty markets
Owner-occupied, rented, park, and seasonal units, with replacement cost options where eligible. Our bread and butter.
Progressive Home, RT Special & more
HO-3 coverage with wind/hail deductible options by region, including older homes with documented updates.
HO-6 and HO-4 policies
Fast, affordable protection for unit interiors and personal property. Often bound within the hour.
DP-3 dwelling policies
Rental dwellings with loss-of-rent options, from a single unit to a small portfolio.
Bundles: American Summit wrote home only. We place auto, motorcycle, and umbrella with partner carriers and chase multi-policy savings where offered.
The expensive mistake to avoid
Force-placed insurance: don’t let your lender shop for you
If your mortgage company believes your home is uninsured, they can buy “force-placed” coverage and bill your escrow. It typically costs several times more than a normal policy, and it protects the lender’s interest — not your belongings, not your liability. Replacing your policy before the old one ends keeps you in control. When we bind your new policy, we send proof of insurance straight to your lender with your loan number so this never starts. Already force-placed? Get a real policy, send your lender the new declarations page, and request cancellation of the force-placed coverage back to your new start date — lenders must refund the overlap.
Frequently asked
American Summit questions, answered straight
Why can’t I reach American Summit by phone?
We can’t answer on their behalf. If you’ve made reasonable attempts with no response about a payment, policy question, or claim: put your request in writing, keep copies of everything, and contact your state Department of Insurance consumer services division. Regulators can contact the carrier for you and have authority to require a response.
Is my American Summit policy still active?
Check your latest declarations page and any carrier mail for your policy period and any cancellation or non-renewal notice. If you can’t confirm your policy is in force, treat that as urgent. Replacement coverage can be bound the same day, so you’re protected either way.
I got a cancellation or non-renewal notice. What now?
A non-renewal means the carrier won’t continue your policy past its end date; a cancellation ends it sooner. Note the exact end date on the notice, then start a replacement policy on or before that date so there’s no gap. We line the dates up for you.
What happens to my open claim with American Summit?
Keep every document, photo, estimate, and message, and continue the claim in writing. No response? File a complaint with your state Department of Insurance. And if any insurer is ever formally declared insolvent by a court, your state’s guaranty association steps in to pay covered claims up to state limits — your DOI can tell you whether that applies.
Will I get a refund for the unused part of my premium?
Generally yes — when a policy ends mid-term, the unearned premium is owed back to you. If a refund doesn’t arrive, the state DOI complaint process is the right lever to pull.
Do I have to wait for American Summit before buying a new policy?
No. You can buy a new policy from a different carrier at any time. The safest order of operations: protect the house today, then sort out refunds and claims with the old carrier.
How fast can you replace my policy?
Same day in most cases. Once we confirm your address, roof age, and coverage needs, we compare carriers side by side, you pick, and a binder plus declarations go out electronically — to you and to your lender.
What information do you need to quote me?
Your address, year built, roof age and type, and your current coverage amounts if you have them. Your old declarations page answers nearly everything, but we can quote without it.
Do you insure manufactured and mobile homes?
Yes — it’s one of our specialties and it’s the market American Summit primarily served. We place manufactured home policies with Foremost and other specialty markets for owner-occupied, rented, and seasonal units.
Will being non-renewed hurt my new rate?
A carrier-initiated non-renewal for business reasons is not the same as being dropped for claims or non-payment, and carriers treat them differently. The bigger rate risk is a lapse in coverage — which is exactly what lining up your start date avoids.
Do older homes or older roofs qualify?
Often yes. Documented updates to roof, wiring, plumbing, and HVAC help both eligibility and price. Some carriers apply roof-age surcharges or actual-cash-value roof settlements; we show you those tradeoffs across carriers before you pick.
Which states do you serve?
We’re licensed in 35 states, including Colorado, South Carolina, North Carolina, Texas, and Arizona — covering most states where American Summit wrote manufactured home and dwelling policies. Reach out and we’ll confirm yours in seconds.
Should I tell my mortgage company about the change?
Yes, and we make it easy: when we bind your new policy, we send proof of insurance directly to your lender with your loan number, so escrow pays the new carrier and force-placed coverage never enters the picture.
My insurance is paid through escrow. How does the switch work?
Your new policy invoice goes to the lender, the lender pays it from escrow, and any refund of unearned premium from the old policy typically comes back to you or your escrow account. We coordinate the paperwork.
How fast can my lender get proof of coverage?
Same day in most cases — a binder and evidence of insurance go out electronically the moment your new policy is bound.
What does dwelling coverage include?
Coverage A protects the structure. We help set a replacement cost that reflects local materials and labor, and review inflation guard so the limit keeps up.
Which deductibles should I pick?
Common choices are 1% or a flat amount for all perils; some areas also carry a separate wind or hurricane deductible. We show the premium difference so you choose with real numbers.
Do I need water backup or equipment breakdown?
They’re popular endorsements for a reason: water backup covers sump or drain issues, equipment breakdown helps with HVAC and appliances.
Is ordinance or law coverage important?
Yes — it helps pay for code upgrades during a covered repair, which can be significant in older homes and manufactured homes. More basics in our Insurance FAQs.
Same-day binders · 35 states · 20+ carriers
Left without answers?
Leave with a policy.
No pressure, no runaround. Tell us about the home, we compare the carriers, you pick the winner, and proof of coverage lands in your inbox and your lender’s — today in most cases.
Last Updated on by Jayleen Ridgeway