Florida’s home insurance landscape is distinctive and challenging. Hurricanes, increasing premiums, and shifting carriers reshape the market, making informed coverage decisions more important than ever.
A or Exceptional
5242
N/A
P.O. Box 51329, Sarasota, Florida, 34232.
866-568-8922
https://www.edisoninsurance.com/
1-866-923-2920
Fraud Free Florida
A++
524126
Liberty Mutual Group
175 Berkeley Street, Boston, MA 02116.
+44 (0)20 3758 0000.
libertyspecialtymarkets.com
(02) 8823 1999
Fraud Free Florida
A+
10132
N/A
903 NW 65th St, Suite 200, Boca Raton, FL 33487
866-549-9672
https://www.floridapeninsula.com/
1-866-923-2920
Fraud Free Florida
A (Exceptional)
10861
N/A
Ft Lauderdale, FL 33309
(954) 958-1200
https://universalproperty.com/
(800) 425-9113
North Carolina
A+ (Superior)
524126
Nationwide Companies
Columbus, OH 43215, United States.
1-877-669-6877
https://www.nationwide.com/
1-800-421-3535
Florida
A (Excellent)
524210
N/A
Traverse City, MI 49684
800-748-0224
globalmarineinsurance.com
231-947-4407
Traverse City
AA-
524113
Life insurance
Suite 2200, Toronto, ON M5J 0A8
800-748-0224
https://www.aig.com/
800-225-5244
Americas
A-
39012
Insurance Agencies
Boston, MA 02116
1-800-332-3226
https://www.safeco.com/
1-877-762-3101
Colorado, Florida
A (Excellent)
524210
CRI
Clearwater, Florida 33759
1-855-536-2744
http://www.heritagepci.com/
1-877-762-3101
Colorado, Florida
A++
10052
CHUBB & SON INC GROUP
866-324-8222
https://www.chubb.com/
1-800-252-4670
All 50 States
A++
10790
Fednat Holding Co Group
14050 Northwest 14th Street, Suite 180. Sunrise, Fl 33323
954-308-1200
https://monarchnational.com/
800-293-2532
AL, FL, GA, LA, MS, SC, TX. Due to the
A (Exceptional) from Demotech
10953
CYPRESS HOLDINGS GROUP
12926 GRAN BAY PARKWAY WEST, FL 32258
(877) 560-5224
https://www.cypressig.com
(877) 560-5224
Florida, Texas
A (Exceptional) from Demotech
10688
Barrington Capital Group
27599 Riverview Center Blvd., Suite 100, Bonita Springs, FL
888-850-4663
https://www.floridafamily.com/
888-486-4663
FL
A, excellent
10074
Frontline Insurance Group
500 International Parkway, Lake Mary, Florida 32746
(877) 744-5224
https://www.frontlineInsurance.com
(877) 744-5224
Alabama, Florida, Georgia, North Carolina, and South Carolina
A
10877
Coastal Select Insurance Company
4605 Business Center Drive, Suite 300, Fairfield, CA 94534
(800) 324-6020
https://geovera.com/
(800) 324-6020
Florida
A Exceptional (Demotech, Inc.)
12944
4726
5300 W. Cypress Street, Suite 100, Tampa, FL
(866) 324-3138
https://www.hcpci.com
888-210-5235
Florida
NR (not rated by Demotech, FSR withdrawn 3/29/2022)
13207
N/A
4224 Henderson Blvd, Tampa, FL 33629
888-544-4885
http://www.lighthouse.insurance
888-210-5235
FSR withdrawn 3/29/2022
A Exceptional
N/A
N/A
N/A
Email: info@mangrove-fl.com
https://mangrove-fl.com/
Email: info@mangrove-fl.com
Florida
A
15715
Monarch Delaware Group
14050 Nw 14Th Street, Suite 180, Sunrise, FL 33323
833-433-3628
https://www.fednat.com/
800-293-2532
FL
BBB+
12954
Monarch Delaware Group
4200 Northcorp Parkway, Suite 400, Palm Beach Gardens, FL 33410
866-281-2242
https://olympusinsurance.com/
800-293-2532
FL
B+
17621
N/A
6058 E State Blvd, Fort Wayne, IN 46815
888-247-0482
https://www.ovationhome.com/
888-247-0486
FL
A on Demotech
13125
N/A
18 People's Trust Way, Deerfield Beach, Fl 33441
800-500-1818
https://peoplestrustinsurance.com/
877-333-1230
FL
A on Demotech
12563
Ocean Harbor Group
P.O. Box 357965, Gainesville, Fl 32635-7965
866-896-7233
https://www.safeharborflorida.com/
866-896-7233
FL, LA, MS, SC
A on Demotech
15341
SafePoint Holdings
P.O. Box 357965, Gainesville, Fl 32635-7965
877-858-7445
https://safepointins.com/
877-858-7445
AL, FL, LA, MS, NJ, TX
A on Demotech
12841
N/A
5426 Bay Center Drive, Suite 650, Tampa, Fl 33609
866-968-8390
https://www.aiicfl.com/
866-277-9871
FL
Not Rated (No AM Best rating)
12345
ABC Group
2199 Ponce de Leon Blvd, Coral Gables, FL 33134
(415) 877-7689
https://www.acicompanies.com/
(415) 877-7690
Primarily Florida
A (Demotech)
12345
67890
123 Coastal Way, Florida, USA
866-896-7233
https://www.cabrillocoastal.com
866-896-7233, Option 8
Florida, South Carolina
Affirmed by Demotech
Not Available
N/A
P.O. Box 532323, Atlanta, GA 30353
866-318-4113
https://centauriinsurance.com/
808-237-5060 (Hawaii residents)
Florida, Texas, South Carolina, Alabama,
A, Exceptional
16603
KIN INSURANCE INC GROUP
Headquarters: 222 Merchandise Mart Plaza, Suite 228,
855-216-7674
https://kin.com
866-204-2219
FL
A, Excellent
N/A
301 NW 138TH TERRACE. NEWBERRY, FL 32669
305-740-993
https://www.orangeinsure.com/
1-866-896-7233
Florida
A
N/A
N/A
44 South Broadway, Suite 301, White Plains, NY 10601
888.813.7873
https://www.pureinsurance.com/
888.813.7873
All 50 states
A (Exceptional) by Demotech
16864
N/A (Patriot Select operates independently)
5999 Central Ave., Suite 300, St. Petersburg, FL 33710
888-404-5804
https://patriotselect.com
888-404-5804
Florida only
A, Exceptional
Security First Insurance is not listed in the NAIC's Eligible Company Matrix
Security First Insurance is not listed in the NAIC's Eligible Company Matrix
Security First Insurance is headquartered in Ormond Beach, Florida
877-333-9992
https://www.securityfirstflorida.com
877-581-4862
Florida
A, Exceptional
17227
N/A
Security First Insurance is headquartered in Ormond Beach, Florida
N/A
http://www.slideinsurance.com
N/A
FL
A, Exceptional12
12247
N/A
830 A1A NORTH, SUITE 13-326 PONTE VEDRA BEACH, FL 32082
(877) 900-3971
http://www.southernoak.com
877-900-2280
FL
A on Demotech
16578
STILLWATER INSURANCE GROUP
6800 Southpoint Parkway, Suite 700, Jacksonville, FL 32216
855-712-4092
https://stillwaterinsurance.com/
800-220-1351
AK, AL, AR, AZ, CA, CO, CT, DC, DE, FL, GA, HI,
A- (Excellent) from AM Best
5241
North Tower, 44 Headquarters Plaza 4th Floor, Morristown, NJ 07960
855-479-9338
https://swyfft.com/
877-799-3389
Home: AL, FL, MA, NJ, NY, TX; Commercial: IL, NJ, NY, WA
A (A.M. Best)
12345
HCI Group
123 Tailrow Ave, Tampa, FL 33602
1-800-TAILROW
https://tailrow.com/
1-800-CLAIM-TI
FL
A on Demotech
11027
Tower Hill Insurance Group
720 NW 11th Place, Gainesville, FL 32605
352-332-8800
https://www.thig.com/
800-342-3407
FL
BBB (KBRA – Kroll Bond Rating Agency)
N/A (Not currently listed)
N/A
PO Box 950699, Lake Mary, FL 32795
877-368-9144
https://www.tridentreciprocal.com/
877-368-9144
Florida only
A on Demotech
15885
HCI Group
3001 S E Maricamp Rd, Ocala, Fl 34471
844-530-4098
https://www.typtap.com/
844-289-7968
FL
M by Demotech
10969
United Insurance Holdings Group
800 2nd Avenue South, St. Petersburg, Fl 33701
800-295-8016
https://www.upcinsurance.com/
888-256-3378
CT, DE, FL, GA, HI, LA, MA, MD, MS, NC, NH, NJ,
A- (Excellent)
N/A
N/A
300 First Avenue South, Suite 401, St. Petersburg, Florida 33701
1-844-36-VAULT (82858)
https://www.vaultinsurance.com/
1-844-388-LOSS (5677)
FL, NY
“A” Exceptional from Demotech
17153
N/A
360 CENTRAL AVENUE #1225 ST. PETERSBURG, FL 33701
888-806-VYRD (8973)
https://www.vyrd.co
844-217-6993
Florida
A- from A.M. Best
11523
Wright National Flood Insurance Company
801 94th Ave N, St. Petersburg, FL 33702
1-800-725-9472
https://www.wrightflood.com
1-800-725-9472
Available in all 50 states and over 21,000
Based on the latest NAIC and market data, these insurers rank among Florida’s top providers:
Citizens Property Insurance: The largest provider, covering about 1.3 million Florida homes—roughly 20% of the market. As the state-backed insurer of last resort, it steps in when private carriers decline coverage.
Universal Property & Casualty: With more than 250,000 policies, Universal is the second-largest private insurer and remains strongly focused on Florida homeowners.
Slide Insurance: A newer, technology-driven entrant with around 240,000 policies, Slide stands out for its fully digital experience and is expanding in ZIP codes where others are retreating.
Tower Hill, Florida Peninsula & USAA: Tower Hill covers approximately 233,000 homes, Florida Peninsula about 114,000, while USAA continues to serve military families with a strong presence.
Mid-sized providers such as Frontline, American Integrity, Progressive/ASI, along with rapidly growing Florida-based companies like People’s Trust and UPC Insurance, also play a significant role in the market.
