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Top Rated Florida Homeowners Insurance Companies In 2022

homeowners insurance companies in Florida

39 Top rated homeowners insurance companies in Florida In 2022

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 one will help them determine each company’s level of service. Indeed, 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

American Integrity Insurance Company of Florida serves over 250,000 policyholders throughout FL. Indeed, this company looks forward to developing a long-lasting relationship.

American Strategic Insurance 

American Strategic Insurance is one of the largest homeowners carriers in North America. Such as, this company sets big goals, achieving each one by paying close attention to the details. For example, they do care about people and their local communities. They work hard to go above and beyond.

American Traditions Insurance

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.

Avatar Property and Casualty Insurance

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

Capitol Preferred Insurance Company strives to offer superior service, competitive coverages, expedited claim services, and peace of mind. Such as Capitol Preferred services over 56,000 policies throughout Florida.

Centauri Insurance Company

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 a long-lasting, trusting relationship with their customers.

Citizens Property Insurance

The Florida Legislature created Citizens Property Insurance in 2002. Its sole purpose is to provide a policy for residents who cannot find 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 Insurance

Cypress Property & Casualty Company is different from other companies 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

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 Insurance 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.

Florida Family Insurance

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, it is not just their in-depth knowledge that helps stand 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.

Florida Peninsula Insurance Company

A customer favorite, Florida Peninsula Insurance Company, strives for flexibility and an attitude that provides customers with cost-effective policies. Fl Peninsula Insurance Company also offers superior claims handling. Furthermore, they close around 95% of their claims in less than 90 days from the reported date.

Florida Specialty Insurance Company

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.

Frontline Insurance

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. Homeowners in Florida trust Frontline to protect their most valuable possessions.

Gulfstream Property and Casualty Insurance Company

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

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

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

Maison Insurance Company offers its customers intelligent solutions, financial security, and peace of mind. They provide a trusted team of insurance professionals that prides 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

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

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 Insurance Agency

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.

People’s Trust Insurance

As a People’s Trust policyholder, they will be a part of a growing number of FL 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.

Prepared Insurance

At Prepared Insurance, the home is full of possibilities. Prepared Insurance knows the ups and down homeowners face and therefore are, 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

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 Insurance

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

Southern Fidelity Insurance Company is the 6th most reliable company 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

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 Company, Inc

Accordingly, St. Johns is a privately held company. They cover home and condo owners throughout FL. Illustrated by this, its mission is to provide all policyholders with access to a high-quality insurer.

State Farm

State Farm is here to help life go right! Of course, This company has had a passion for helping serve customers for almost 100 years. In this case, State Farm wants to give customers great value.

Tower Hill Insurance Group

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.

Tower Hill Preferred

In June 2000, Tower Hill purchased Regency Insurance Company. Later, Tower Hill changed regency Insurance to Tower Hill Preferred. In addition, in 2010, Hillcrest Insurance Company joined forces with Tower Hill Preferred.

Tower Hill Prime

Tower Hill acquired DeSoto Prime Insurance Company in March 2003. Conversely, then the leaders renamed it “Tower Hill Prime.”

Tower Hill Select

In short, Tower Hill Select formed a corporation in 2004. Indeed, its sole purpose is to complement existing Florida policies with Tower Hill.

Tower Hill Signature Insurance Company

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.

United Property and Casualty

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

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 have caring professionals standing by 24/7.

USAA

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.

Velocity Insurance Group

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

Weston Insurance Company focuses on insuring homes for losses from hurricanes, tornadoes, and other windstorms. In addition, this company dedicates itself to providing them with responsive, high-quality service.

 

BBB Ratings of Homeowners Insurance Companies in Florida

Below we have listed the top-rated homeowners’ insurance companies in Florida 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 for their Florida Home Insurance Quote.

 

Company Name BBB Rating
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+
FL 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, Inc A+
State Farm 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 things home insurance companies do not want anyone to know.

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 with no malicious intent, they still might keep them from savings. Saving the most money is why they want to obtain multiple quotes online. While nowhere near the complete list, here are just a couple of things they will want to know.

Shop for a better deal

They need to know that they can always shop for a better deal whenever 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.

Suppose they use this as a powerful bargaining tool at the negotiation table. In that case, the customer could end up with significant savings. An endless source of substantial savings if they use it once a year. Multiple quotes can help them protect their bank account and their property simultaneously!

Carriers hide significant discounts from the general public.

Secondly, there may be significant 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, do not be afraid to ask about these deals and discounts to see if they are eligible.

Nothing is Locked In.

Finally, their agreements with the insurance agent need nothing until they sign on the dotted line. Also, do not let anyone bully them into agreeing to terms they are uncomfortable with committing. In addition, contact Florida Insurance Quotes to let us do all the legwork securing the ideal coverage.

How can they successfully compare Florida homeowners insurance companies?

We have provided them with the list of Fl homeowners insurance companies on the web and their BBB ratings. However, we at FloridaInsuranceQuotes.net understand how confusing and frustrating choosing a homeowners company can be. Do not worry. We have the quotes that no one else has.

Let us help them find the right Florida homeowners insurance company. To get started, simply 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!

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