Lilypad (Centauri) Insurance

Lilypad (Centauri) is a home insurer in Sarasota. It now sells as Lilypad Insurance. Lilypad Insurance Holdings owns it. Agents sell it. Demotech rates it A.

You can find it on our list of Florida home insurance companies. Its Florida company code is 03690 and its NAIC number is 12573.

Taking new policiesChecked Oct 19 Home, condo, renters, landlord, flood and business

Is Centauri leaving Florida? No. Centauri now sells as Lilypad Insurance through local agents, and its site posted no stop on new policies on Oct 10, 2026. As of Oct 19, 2026. Source: lilypadins.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

6,851

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech, as of Oct 20, 2026

Complaints

2.21

NAIC index, 2025. 1.00 is average.

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

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What's changed recently

  1. Koi Re catastrophe bond

    Centauri and Lilypad sponsored a $30 million catastrophe bond called Koi Re. It is for named storms across seven coastal states.

  2. Applied Underwriters buys Centauri. The deal is done.

    Applied Underwriters completed its purchase of the Sarasota based Centauri insurance companies. They then served 10 states. Date is the article date. The exact close date is pending.

See every Lilypad (Centauri) update

Rate history

No rate filings tracked yet.

Want your Lilypad (Centauri) 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.

20 years in Florida

In Florida since 2006. Has paid claims through 10 hurricanes.

20062008201020122014201620182020202220242026 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 Ian (2022 , Category 4 at Florida landfall) Ian Cat 4 Nicole (2022 , Category 1 at Florida landfall) Nicole Cat 1 Idalia (2023 , Category 3 at Florida landfall) Idalia Cat 3 Debby (2024 , Category 1 at Florida landfall) Debby Cat 1 Helene (2024 , Category 4 at Florida landfall) Helene Cat 4 Milton (2024 , Category 3 at Florida landfall) Milton Cat 3 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Lilypad (Centauri) side by side

Lilypad (Centauri) side by side with State Farm and Universal Property
Lilypad (Centauri) 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 6,851 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 2.21 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 (Exceptional) Demotech, Oct 20, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2006 1934 1997

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Questions people ask about Lilypad (Centauri)

Who owns Centauri Insurance?Lilypad Insurance Holdings owns Centauri.

Lilypad is part of Arbol. It bought two firms from Applied Underwriters. One is Centauri Specialty Insurance Company. The other is its sister, Centauri National. It now owns both of them.

Source: PR Newswire release title, Lilypad completes Centauri acquisition; Insurance Journal Arbol topic page title

Is Centauri the same as Lilypad Insurance?Yes, now.

If you go to Centauri's site, it sends you to Lilypad Insurance. Lilypad says two carriers sit behind one brand. Florida's home market report lists the insurer. It is Centauri Specialty Insurance Company.

Source: Lilypad About page, read Oct 10, 2026

Is Centauri the same as Applied Underwriters?Not anymore.

Applied Underwriters bought Centauri in early 2021. Then it sold Centauri Holdings. It went to Lilypad Insurance Holdings. Lilypad is a new coastal risk insurer. Arbol formed it.

Source: Applied Underwriters press release title on the Centauri Holdings sale; agencychecklists.com, February 12, 2021

What is the Centauri or Lilypad claims phone number?Call 866-228-7993 for home and commercial claims.

Lilypad says claims and customer service are open 24/7, 365 days a year. You can also submit a claim online on lilypadins.com.

Source: Lilypad home and contact pages, read Oct 10, 2026

Still deciding? Let us shop your Lilypad (Centauri) 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.

Lilypad (Centauri) reviews and complaints: what the public data shows

Lilypad (Centauri) rating

A (Exceptional) from Demotech, as of Oct 20, 2026.

Complaints
2.21 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 2006 (20 years)
Regulatory actions
Not available

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