Assurant Insurance
Assurant group insurers in Florida. They sell renters policies through landlords. They sell mobile home cover. And they sell lender placed hazard insurance.
You can find it on our list of Florida home insurance companies. It is No. 6 in Florida by home policies. Its Florida company code is 01055 and its NAIC number is 10111.
Taking new policiesChecked Oct 19 Renters, home and flood
Is Assurant leaving Florida? No. AM Best affirmed the A+ rating of its Florida insurers on September 23, 2026. Its site showed no Florida new business notice on October 10, 2026. As of Oct 19, 2026. Source: assurant.com.
New policies
Taking new policies
As of Oct 19, 2026
Florida rank
No. 6
379,842 home policies, Jul 31, 2026, OIR
Latest rate change
Not available
No rate change on file
Financial strength
A+ (Superior)
From AM Best, as of Oct 20, 2026
Complaints
3.08
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
The short version of the rules, in order of how often they trip people up. Tap any one for the detail.
Roof under 15 years old? Age alone can't stop your policy
Florida law sets a floor for every home insurer. Is your roof under 15 years old? Then a company can't say no to a new policy or a renewal just because of roof age.
Is the roof 15 years or older? Then the company must let you get a roof inspection first. You pay for it. If the roof has at least 5 years of life left, its age alone can't be the reason for a no.
Roof age counts from the last time the whole roof was put on. The company can still look at the roof's shape and other risks.
Storm damage claim? The company has to wait until the home is fixed
Florida law limits when a home insurer can drop you after a claim. Did a hurricane or wind storm hit your home during a state emergency? Then the company can't cancel you or drop you at renewal. It has to wait until 90 days after the repairs are done.
For other covered damage, it has to wait until the home is fixed. Or it waits 1 year after the last claim check, if that comes first.
The company can still cancel sooner if you don't pay. It can also cancel for fraud or a big lie on the claim. The same goes if you hold up repairs for no good reason, or if it paid the full policy limit.
s. 627.4133(2)(e), Florida Statutes (2026) An authorized insurer may not cancel or nonrenew a personal residential or commercial residential property insurance policy covering a dwelling or residential property located in this state: a. For a period of 90 days after the dwelling or residential property has been repaired, if such property has been damaged as a result of a hurricane or wind loss
A storm claim alone can't get you dropped
Florida law protects you when you file a claim for damage caused by an act of God, like a hurricane. That claim can't be the reason a company cancels you or drops you at renewal.
One water damage claim gets the same rule. A single water claim can't be the only reason to drop you.
There is a catch. If the company asked you to fix something so the damage won't happen again, and you did not, it can use the claim against you.
s. 627.4133(3) and (6), Florida Statutes (2026) Claims on property insurance policies that are the result of an act of God may not be used as a cause for cancellation or nonrenewal, unless the insurer can demonstrate, by claims frequency or otherwise, that the insured has failed to take action reasonably necessary as requested by the insurer to prevent recurrence of damage to the insured property.
Built to stand up to wind? Ask for the discount
Florida law says every home insurer must tell you about its wind discounts. It has to tell you when your policy starts and at each renewal. A home built to hold up in a wind storm can cost less to insure.
To get the discount, send in a wind inspection form. The state made one form that every company must use.
The company has to take the form when the right person signs it. A trained home inspector or a building code inspector can sign it. So can a licensed contractor, an engineer or an architect.
s. 627.711(1) and (2)(a), Florida Statutes (2026) An insurer shall accept as valid a uniform mitigation verification form signed by the following authorized mitigation inspectors:
Did your Assurant renewal go up?
When you buy straight from Assurant, nobody shops it for you. An independent agent checks 80+ companies at every renewal. It's a 5 minute call.
Before you call, see the Florida home insurance renewal checklist.
Get a free look at your Assurant renewal
Send us your renewal page. We tell you what changed.
- Snap a photo of your renewal page, or save it as a PDF.
- A licensed agent reads it. We check your price, your deductible and your coverage.
- You get a call back with what we found. It is free.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
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AM Best affirmed the A+ (Superior) financial strength rating of Assurant's property insurers. The outlook is stable. That holds for both American Bankers and American Security. It did this on Sept 23, 2026.
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AM Best affirmed A+ (Superior), stable, for the seven Assurant property and casualty units. In July 2021 the same firms had A (Excellent). So the group was raised to A+ between those dates.
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Multistate deal on force placed insurance
Assurant, Inc. signed a settlement with seven lead states. It covers force placed property insurance sold 2008 to 2014. Four firms sold it. They were American Bankers, American Security, Standard Guaranty and Voyager.
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Agreement with OIR to cut Florida lender placed rates 10 percent
Assurant made a deal with OIR for American Security Insurance Company. The company would cut Florida lender placed hazard rates 10 percent for early 2014. It would also end commissions and quota share deals with lenders.
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American Bankers gets its state license
American Bankers Insurance Company of Florida was formed on Oct 29, 1947. It got its Florida certificate of authority on Dec 30, 1948. It began business that day. Its home office was in Miami.
Rate history
No rate filings tracked yet.
Assurant has had no approved home rate change in the last 18 months. Here is how other big companies moved.
Assurant: no approved change in the last 18 months
- Citizens Jul 1, 2026 8.8% cut
- Frontline Oct 13, 2025 6.9% cut
- Universal Property Oct 16, 2025 5.1% cut
- Tower Hill Dec 1, 2025 5% cut
- State Farm Jan 15, 2026 0.8% increase
- American Integrity Apr 7, 2026 9.2% increase
78 years in Florida
In Florida since 1948. Has paid claims through 28 hurricanes.
Compare Assurant side by side
| Assurant | 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 | 379,842 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 | 3.08 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A+ (Superior) AM Best, Oct 20, 2026 | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 1948 | 1934 | 1997 |
People also compare with
- State Farm Taking new policies
State Farm sells home, condo, renters and auto policies in Florida. It uses its own agents. Home policies come from State Farm Florida, a Florida only firm.
- Universal Property Taking new policies
Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- American Integrity Taking new policies
American Integrity is a Tampa home insurer started in 2006. Now the 5th largest home insurer in Florida, with 423,783 policies on July 31, 2026, per OIR.
- USAA Taking some new policies
USAA insures the military. In Florida it sells auto, home and renters coverage. Only members can buy it. They are service members, veterans and their families.
Questions people ask about Assurant
Why is Assurant on a list of Florida home insurers?Two Assurant firms insure lots of Florida homes, just not with a normal home policy.
One is American Bankers Insurance Company of Florida. It sells renters policies at apartments. It sells mobile home and NFIP flood policies too. The other is American Security Insurance Company. It sells lender placed hazard cover. A lender buys it when a home's policy lapses.
Source: OIR financial examination report as of December 31, 2022; Assurant release, October 8, 2013
Is Assurant leaving Florida?No.
AM Best affirmed the A+ (Superior) rating of Assurant's Florida insurers. It did so on September 23, 2026. American Bankers Insurance Company of Florida is based in Miami. It has been licensed in Florida since 1948. The Assurant contact page showed no Florida new business notice on October 10, 2026.
What is the Assurant claims phone number?Assurant's phone list gives 800-358-0600 for three of its companies.
Two are American Bankers Insurance Company of Florida and American Security Insurance Company. For renters, call 800-432-8612. For NFIP flood through American Bankers, call 800-423-4403. The page lists no hours. Your policy papers or your lender's notice will name the right company.
Who owns Assurant?Assurant, Inc. is a public firm.
It is based in Atlanta. Its stock is listed on the New York Stock Exchange. It trades as AIZ. It owns American Bankers Insurance Company of Florida through two firms. One is Interfinancial, Inc. The other is American Bankers Insurance Group, Inc. It also owns American Security, Standard Guaranty and Voyager Indemnity.
Source: OIR financial examination report as of December 31, 2022; AM Best release, September 6, 2024
Is Assurant admitted in Florida?Yes for American Bankers Insurance Company of Florida.
It is a Florida domestic insurer. Its NAIC code is 10111. It was licensed on December 30, 1948. The Florida Insurance Guaranty Association covers its home and mobile home lines. American Security Insurance Company is NAIC 42978. It files its Florida lender placed rates with OIR.
Source: OIR financial examination report as of December 31, 2022; Assurant release, October 8, 2013
Is Assurant a good company?Public data only: AM Best rates the Assurant property insurers A+ (Superior), up from A (Excellent) in July 2021.
It affirmed that on September 23, 2026. OIR's 2022 exam found no major issues and $575 million in surplus for American Bankers. In 2013 Assurant agreed with OIR to cut Florida lender placed rates 10 percent and end commissions to lenders.
Assurant reviews and complaints: what the public data shows
Assurant rating
- Complaints
- 3.08 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 1948 (78 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.