Florida is no stranger to the devastating impact of natural disasters, making home insurance an essential investment for residents. With frequent hurricanes, floods, and storms, the Sunshine State requires homeowners to secure comprehensive coverage to protect their properties. As we enter 2023, exploring the top-rated home insurance companies in Florida that offer reliable insurance coverage, exceptional customer service, and competitive rates is crucial. This article will provide an overview of the leading providers in the state, helping homeowners make informed decisions when receiving Florida homeowners insurance quotes online.
39 Top rated Homeowners Insurance Companies in Florida In 2023
In addition to our list of homeowners’ insurance companies in Florida, we have also provided more information about homeowners insurance in Florida. Similarly, reading through each company will help homeowners in need of coverage. However, we help determine each company’s level of service. Keep reading below to get a better understanding of the options. Otherwise, click on “Get A Quote” and let us find the ideal option.
American Integrity Insurance Company of Florida serves over 250,000 policyholders throughout Florida. Indeed, this company looks forward to developing a long-lasting relationship.
American Strategic Insurance is one of the largest homeowners carriers in North America. For example, this company sets big goals, achieving each by paying close attention to the details. For instance, they do care about people and their local communities. They work hard to go above and beyond.
American Traditions Insurance commits to providing fast and friendly claims to all policyholders. At the same time, this company’s primary goal is to recover customers as quickly as possible.
Another great company, Avatar Property and Casualty, can quickly provide its customers with stability and security. Of course, they treat all customers like family. In particular, they feel great pride in allowing them to provide the proper coverage. However, this company also responds to claims within 24 hours, which is impressive! They can provide them with quick and effective service.
Capitol Preferred Insurance Company strives to offer superior service, competitive coverages, expedited claim services, and peace of mind. They service over 56,000 policies throughout Florida.
Centauri Insurance Company is financially stable, dependable, and persistent when faced with challenges. In addition, reliability is one of the things that makes this company stand out among others. They want to build long-lasting, trusting relationships with their customers.
The Florida Legislature created Citizens Property Insurance in 2002. Its sole purpose is to provide a policy for residents who need help finding property insurance coverage in the private market. In addition, citizens Property Insurance offers insurance products and fantastic customer service to every customer.
Cypress Property & Casualty Company differs from others because of its dedication to fast, fair, and efficient claims handling. They also offer superior customer service and an unparalleled reinsurance program with a competitive advantage.
Edison Insurance Company brings intelligent and innovative solutions to the insurance industry. Indeed, this company also wants to provide quality coverage at competitive prices while providing excellent service. In addition, of course, Edison is financially stable and has received high ratings from the BBB. Indeed, this company is innovative, focused, and straightforward. What more could they want from a company?
Federated National commits to providing fair and competitive rates with exceptional customer service. In addition, FedNat strives to provide unbiased, personalized claim handling to all its customers. As a result, their claims team has paid over 2 billion dollars in claims. These payouts include over $300 million from the Florida hurricanes of 2004 and 2005 and Hurricane Irma.
Why choose Florida Family Insurance? First, they have an in-depth knowledge of the market. They understand all the unique needs a Florida homeowner needs. However, not just their in-depth knowledge helps set this company apart. It is also their culture of caring that makes all the difference. In addition, Florida Family answers around 97% of calls within 30 seconds, which is impressive.
A customer favorite, Florida Peninsula Insurance Company strives for flexibility and an attitude that provides customers with cost-effective policies. Florida Peninsula also offers superior claims handling. Furthermore, they closed around 95% of their shares in less than 90 days from the reported date.
Florida Specialty Insurance Company designs policies that are fit to meet all the unique needs of Florida homeowners! These policies offer protection that covers their housing, personal property, and additional living expenses. This company writes over 30 million dollars of homeowners policies throughout the state. Therefore, Florida specialty insurance company reviews may come in handy if they consider this company.
First Protective Insurance Company is doing business as Frontline Insurance to avoid confusion. Frontline has provided intelligent, customizable solutions to customers for the past 20 years. As a result, homeowners in Florida trust Frontline to protect their most valuable possessions.
Everyone provides customers with top-of-the-line security at Gulfstream Property and Casualty. In addition, they have years of experience and, as a result, respond to the claim quickly.
Heritage Property and Casualty Company has its headquarters in Clearwater, Florida. When protecting their belongings is paramount, this company is an excellent choice. The Heritage management team has over 500 years of combined experience in the Florida home insurance market.
Homeowners Choice Property and Casualty provides service to agents and policyholders while providing competitive, secure, customizable prices and coverage. They also boast an exceptional Financial Stability Rating by Demotech.
Maison Insurance Company offers its customers intelligent solutions, financial security, and peace of mind. They provide a trusted team of insurance professionals who pride themselves on personal attention and expert advice to protect the home. If they choose Maison Insurance, stability, compassion, and integrity are what they will find.
Modern USA Insurance Company is an affiliate company of American Traditions Insurance Company. However, Modern USA allows customers to purchase additional capacity for homeowner policies. As a result, both companies can provide services that customers trust.
Olympus Insurance Company revolutionizes the Florida home insurance market by providing stability, strength, and excellent service. In addition, they offer quality homeowner insurance with some of the best claim support.
Omega provides high-quality products and services and protection and value pricing throughout Florida. For example, their strong reputation, honesty, and integrity are the agency’s foundation.
As a People’s Trust policyholder, they will be a part of a growing number of Florida residents. As well as, who wants their homeowners’ company to be a full partner in recovery after a loss? People’s trust will always be there when they need them. Furthermore, they are always just a phone call away. In addition, using Rapid Response Centers can deliver more competitive prices and better customer service—a great provider of homeowner insurance Florida residents love.
At Prepared Insurance, the home is full of possibilities. Prepared Insurance knows the ups and downs homeowners face and, therefore, is prepared for anything. However, they strive to center home coverage around them, the customer. Furthermore, this company works hard to understand each customer’s needs to build relationships.
Sawgrass Mutual Insurance was a property and casualty insurer founded in 2007. This company had more than 20,000 policies across the state of Florida. Unfortunately, however, this company is currently out of business. Luckily, many other companies on the list have better financial stability.
Security First commits to being there for Florida residents storm after storm. Also, members of their leadership team come from diverse backgrounds and bring a wealth of knowledge in Insurance and technology.
Southern Fidelity Insurance Company is the 6th most reliable after the 2017 hurricane season. Also, this company can handle any claim they throw at them due to their expedited claim service. Knowing they can have them back after a hurricane is a relief.
Southern Oak Insurance Company understands the importance of being there when they need them the most. In addition, Southern Oak secures Insurance from A-rated companies to protect customers from catastrophic events.
St. Johns Insurance is a privately held company. They cover home and condo owners throughout Florida. Their mission is to provide all policyholders access to a high-quality insurer.
State Farm is here to help life go right! Of course, This company has been passionate about helping customers for almost 100 years. In this case, State Farm wants to give customers great value.
Tower Hill Insurance Group is one of Florida’s largest residential property insurers. Why choose Tower Hill? For example, exceptional customer service, financial stability, and the many coverage options are perks of Tower Hill.
In June 2000, Tower Hill purchased Regency Insurance Company. Later, Tower Hill changed regency Insurance to Tower Hill Preferred. In addition 2010, Hillcrest Insurance Company joined forces with Tower Hill Preferred.
Tower Hill acquired DeSoto Prime Insurance Company in March 2003. Conversely, the leaders renamed it “Tower Hill Prime.”
In short, Tower Hill Select formed a corporation in 2004. Indeed, its sole purpose is to complement existing Florida policies with Tower Hill.
Everyone knew Tower Hill Signature Insurance Company previously as Royal Palm Insurance Company. However, in May 2011, it changed its name to Tower Hill Signature Insurance Company.
Count on United Property and Casualty (UPC) at the time of greatest need. In addition, UPC strives to keep the promise to policyholders while being here today and tomorrow. In addition, UPC commits to financial stability and long-term solvency.
Universal North America believes that values lead to solid protection. In particular, this company strives to listen, aim high, and lead by example. As a result, universal Property and Casualty has caring professionals standing by 24/7.
USAA proudly writes homeowners insurance in Florida. In particular, they currently serve military members, former military, families, and cadets or midshipmen with roots grounded in the military. In addition, USAA can bring value through an exclusive suite of financial products and advice.
Why choose Velocity? In particular, Velocity has decades of experience providing customized services to clients worldwide. Furthermore, they use innovative solutions to manage insurance needs and provide customers with comprehensive risk management.
Weston Insurance Company
On August 8, 2022, Weston was placed in receivership and ordered into liquidation by the Second Judicial Circuit Court of Leon County, Florida (“the Court”) in case number 2022 CA 001378. Weston has been placed into receivership because the Florida Office of Insurance Regulation has determined that the company is insolvent and has sufficient grounds to institute delinquency proceedings. If you have a question, don’t hesitate to contact us for assistance.
BBB Ratings of Homeowners Insurance Companies in Florida
Below, we have listed Florida’s top-rated homeowners’ insurance companies currently accepting new policies. In addition, we included their current BBB Rating. Furthermore, they may consider these companies when it comes time to shop for a new approach in the Sunshine State. Also, check the table below to view each company and BBB rating. Finally, their BBB rating will tell them how fantastic the company is with its customers and handling complaints. When it comes to the final decision-making, they will want to pick a company with a high rating when getting a Florida Home Insurance Quote.
Florida Home Insurance Companies BBB Ratings
- American Integrity Insurance Company of Florida: A+
- American Strategic Insurance: A+
- American Traditions Insurance: A+
- ASI Assurance Corp: A+
- Avatar Property and Casualty Insurance: A+
- Capitol Preferred Insurance Company: A+
- Centauri Insurance Company: B+
- Citizens Property Insurance: D
- Cypress Property & Casualty Insurance: C-
- Edison Insurance Company: A+
- Federated National Insurance Company / FedNat: B+
- Florida Family Insurance: A+
- Florida Peninsula Insurance Company: A+
- Florida Specialty Insurance Company: A
- Frontline Insurance: N/A
- Gulfstream Property and Casualty Insurance Company: A+
- Heritage Property and Casualty Company: A
- Homeowners Choice Property and Casualty: A
- Maison Insurance Company: A+
- Modern USA Insurance Company: A+
- Olympus Insurance Company: A+
- Omega Insurance Agency: A+
- People’s Trust Insurance: A+
- Prepared Insurance: A+
- Security First Insurance: A+
- Southern Fidelity Insurance Company: A+
- Southern Oak Insurance Company: A+
- St. Johns Insurance Company: A+
- State Farm Insurance: A
- Tower Hill Insurance Group: A+
- Tower Hill Preferred: A+
- Tower Hill Prime: A+
- Tower Hill Select: A+
- Tower Hill Signature Insurance Company: A+
- United Property and Casualty: A+
- Universal North America: A-
- USAA: B
- Velocity Insurance Group: A+
- Weston Insurance Company: B+
Three Tips to Save on Florida Homeowners Insurance
The overwhelming majority of Florida home insurance companies run an honest business. However, several insurance companies are looking for customers they can deceive. They do this without any concern for their long-term reputation. For example, even without malicious intent, they still might keep them from savings. Saving the most money is why they want to obtain multiple quotes online. While far from the complete list, they will want to know just a few things.
- Shop for a better deal: Customers must know they can always find a better deal when looking for Florida home insurance. At the same time, they always have the right to research other Florida home insurance companies. In addition, the right exists to decide to “jump ship” whenever they feel like it. Savvy customers will use this as a powerful bargaining tool at the negotiation table. Then, the customer could end up with significant savings. Multiple quotes can help everyone protect their bank account and their property simultaneously.
- Carriers hide significant discounts: Secondly, there may be substantial discounts that homeowners insurance companies in Florida do not disclose. As a result, the general public never hears about these deals. Remember, Florida insurance agents earn a commission. Such as, the last thing they want to do is significantly lower the amount of money they make. For instance, why would they want to save money if it takes money out of theirs? Every time, they come across an ethical Florida insurance salesperson. Furthermore, they will let them in because steep discounts and significant savings are available. However, feel free to ask about these deals and discounts to determine eligibility.
- Nothing is Final Until Signing: A customer’s agreements with an insurance agent mean nothing until they sign on the dotted line. Also, do not let anyone bully you into agreeing to uncomfortable terms. Instead, contact Florida Insurance Quotes to let us do all the legwork to secure the ideal coverage.
Compare Florida Homeowners Insurance Companies Online.
We have provided shoppers with the list of Florida homeowners insurance companies on the web and their BBB ratings. However, we at Florida Insurance Quotes understand how confusing and frustrating choosing a homeowners company can be. Do not worry. We have the quotes that no one else has.
As homeowners in Florida face the ongoing risks associated with natural disasters, choosing the right home insurance company becomes paramount. The top-rated providers mentioned above offer reliable coverage, exceptional customer service, and competitive rates, making them excellent options for Florida residents. However, it is essential for homeowners to carefully evaluate their individual needs and compare quotes from multiple companies before making a final decision. By doing so, homeowners can ensure they have the best coverage to protect their homes and assets in the face of unpredictable events.
Let us help them find the right Florida homeowners insurance company. To get started, click “Get A Quote” now. Then, we find the best deal by comparing the customer data with the companies above. Finally, we match them with the cheapest options. It is that easy!