Apex Star Insurance

Apex Star is a Florida home insurer. It is a reciprocal exchange, approved in April 2025. It is tied to StarLight Insurance Group and grew through Citizens.

You can find it on our list of Florida home insurance companies. Its Florida company code is 98274 and its NAIC number is 17742.

Taking new policiesChecked Oct 19 Home and business

Is Apex Star leaving Florida? No. It took Citizens policies through April 2026. Its pause for Hurricane Isaías was no longer posted on Oct 19, 2026. As of Oct 19, 2026. Source: apexstarins.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

13,151

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

BBB

From KBRA, as of Oct 15, 2026

Complaints

NAIC shows no confirmed complaints in 2025.

NAIC, 2025, nationwide, homeowners

Can I get a policy?

We're still gathering this company's rules. Call and we'll check for you.

Talk to a licensed agent (727) 997-5999

Did your Apex Star renewal go up?

You have two choices. One 5 minute call covers both.

  • Keep Apex Star, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
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What's changed recently

  1. Takes more Citizens policies, April 2026

    Apex Star was listed for a Citizens personal lines assumption on April 21, 2026, under OIR consent order 402314-25-CO. The same order covered its March 17, 2026 takeout.

  2. Takes its first Citizens policies

    Apex Star took its first personal lines policies out of Citizens. That was at the December 16, 2025 assumption.

  3. KBRA assigns first rating

    Kroll Bond Rating Agency gave Apex Star its first rating. It also affirmed a rating for its sister exchange. That is Star Vantage Reciprocal Exchange.

  4. OIR approves Apex Star

    OIR named Apex Star Reciprocal Exchange as the 12th new property insurer to enter the market. That count starts from the state's law reforms.

See every Apex Star update

Rate history

No rate filings tracked yet.

Want your Apex Star renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

1 years in Florida

In Florida since 2025. Has paid claims through 1 hurricane.

2026 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Apex Star side by side

Apex Star side by side with State Farm and Universal Property
Apex Star State Farm Universal Property
New policies Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 13,151 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change Not available +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index NAIC shows no confirmed complaints in 2025. NAIC, 2025, nationwide, homeowners 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average.
Financial rating BBB KBRA, Oct 15, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2025 1934 1997

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  • Slide Taking new policies

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  • American Integrity Taking new policies

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Questions people ask about Apex Star

Is Apex Star leaving Florida?No.

Florida approved Apex Star in early 2025. It took Citizens home policies in December 2025, March 2026 and April 2026. It paused new policies for Hurricane Isaías. On Oct 19, 2026 that pause was no longer on its home page.

Source: Apex Star home page, read Oct 19, 2026

Who owns Apex Star?Apex Star is a reciprocal exchange.

Its policyholders are its members. A separate company called the attorney in fact runs it day to day. News reports name StarLight Insurance Group as the group behind Apex Star. StarLight also backs Star Vantage Reciprocal Exchange in Mississippi.

Source: The Insurer, April 8, 2025; The Insurer on Star Vantage

Is Apex Star a good company?Public data only: Apex Star is new.

Florida approved it in April 2025, so it has a short track record here. Kroll Bond Rating Agency (KBRA) assigned it a financial strength rating on June 27, 2025. No Demotech or AM Best rating was found.

Source: KBRA release via BusinessWire, June 27, 2025

Is Apex Star admitted in Florida?Yes.

OIR approved Apex Star Reciprocal Exchange in April 2025. It was the 12th new property insurer to enter the state since recent law changes. It is an admitted home insurer. If it ever failed, its covered claims would go to the Florida Insurance Guaranty Association.

Source: OIR news release, April 7, 2025

Is Apex Star the same as Citizens?No.

Citizens is the state backed insurer. Apex Star is a private insurer that OIR approved to take over some Citizens home policies. Those takeouts were on December 16, 2025, March 17, 2026 and April 21, 2026.

Source: Citizens depopulation resources page, read October 9, 2026

What is the Apex Star claims phone number?Former Citizens policyholders report a loss at 888-876-8005, toll free.

The same number takes general questions. The company's main office line in Tampa is 888-227-1225.

Source: Apex Star home page, read Oct 10, 2026

Still deciding? Let us shop your Apex Star renewal.

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

or call (727) 997-5999

Free. No junk mail. No spam calls.

Apex Star reviews and complaints: what the public data shows

Apex Star rating

BBB from KBRA, as of Oct 15, 2026.

Complaints
NAIC shows no confirmed complaints in 2025. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2025 (1 years)
Regulatory actions
Not available

No star ratings and no user reviews, only public data.