Cypress Insurance

Cypress Insurance is a home insurer in Jacksonville. It has been licensed in Florida since 1998. Agents sell its home, condo, renters, landlord and flood plans.

You can find it on our list of Florida home insurance companies. Its Florida company code is 03460 and its NAIC number is 10953.

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

Is Cypress leaving Florida? No. It took Citizens policies in April 2023, filed rate changes in 2024, and held about 4,900 Panhandle wind policies in mid 2026 per OIR data. As of Oct 19, 2026. Source: insurancejournal.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

95,631

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech

Complaints

0.40

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. As Isaias nears, about 4,900 wind policies are in the Panhandle

    OIR data for end of July 2026 showed about 4,900 Cypress wind policies. They had $2.2 billion of exposure in the ten Panhandle counties in Hurricane Isaias's path. It was a Category 3 at landfall October 9 to 10, 2026.

  2. Seeks 18.7% condo rate increase; OIR hearing April 3

    Cypress filed a use and file request for an 18.7% statewide increase on HO6 condo policies. It took effect September 9, 2023, for about 7,300 policyholders. A dwelling fire increase was filed in late February 2024.

  3. Citizens takeout approved for April 2023

    OIR consent order 305917-23-CO approved Cypress Property and Casualty to take policies from Citizens. This was in April 2023. No Cypress takeout approvals are listed for 2024 to 2026.

  4. Demotech keeps its A rating

    Demotech affirmed an A rating. It is for Cypress Property and Casualty. Demotech calls this grade Exceptional. It is a Financial Stability Rating. The firm is based in Jacksonville. It has served Florida since 1999.

  5. Enters Florida with 18,000 policies from the state pool

    Cypress was licensed December 27, 1998. It took about 18,000 home and dwelling fire policies. It was in January and March 1999. All came from the Florida Residential Property and Casualty Joint Underwriting Association.

See every Cypress Insurance update

Rate history

No rate filings tracked yet.

OIR sample yearly rate for its example home: $5,275 to $20,764 across 67 Florida counties (median $7,034).

The example is a $300,000 masonry home built in 2005. A sample rate is not a quote. Source: Florida Office of Insurance Regulation, CHOICES homeowners rate tool, example 6, read Oct 20, 2026.

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27 years in Florida

In Florida since 1999. Has paid claims through 17 hurricanes.

20002002200420062008201020122014201620182020202220242026 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 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 Cypress Insurance side by side

Cypress Insurance side by side with State Farm and Universal Property
Cypress Insurance 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 95,631 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 0.40 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 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1999 1934 1997

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  • Slide Taking new policies

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  • Tower Hill Taking new policies

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  • 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.

Questions people ask about Cypress Insurance

Is Cypress leaving Florida?No.

Cypress has been licensed in Florida since December 1998 and still sells policies. OIR approved it to take policies from Citizens in April 2023. In 2024 it filed for rate increases on condo and dwelling fire policies. OIR data cited in October 2026 showed about 4,900 Cypress wind policies in the Panhandle alone.

Source: OIR Take-Out Companies page, read 2026-10-09; Insurance Journal, 2026-10-08

What is the Cypress Insurance claims phone number?Call 877-560-5224 and choose option 1.

Cypress lists its claims service as open 24 hours a day. You can also email a new claim to [email protected].

Source: Cypress contact page, read Oct 10, 2026

Is Cypress Insurance a good company?Public data only: Demotech gives Cypress Property and Casualty a Financial Stability Rating of A (Exceptional).

It was affirmed August 19, 2021. It has sold Florida home policies since 1999. It started with about 18,000 policies. They came from the state's old residential pool. It has no AM Best rating.

Source: Demotech notification, 2021-08-19; OIR report filed 2002-03-27

Who owns Cypress Property and Casualty?Cypress Property and Casualty Insurance Company belongs to the Cypress Holdings Group.

That is the member group Demotech lists for it. It is a Florida domestic insurer based in Jacksonville. It was formed on August 26, 1998. It is not part of Berkshire Hathaway's Cypress Insurance Company. That is a separate firm with a similar name.

Source: Demotech P&C review member groups, read 2026-10-09; OIR report filed 2002-03-27

Is Cypress admitted in Florida?Yes.

Cypress Property and Casualty is a Florida domestic insurer. It got its certificate of authority on December 27, 1998. Its NAIC code is 10953. It is an admitted insurer in the state. It sells homeowners and dwelling fire policies. So it is a member of the Florida Insurance Guaranty Association.

Source: OIR market conduct report filed 2002-03-27

Does Cypress sell new policies in Florida?Yes, through independent agents, as far as public records show.

No OIR market reduction notice or stop on new policies was found through Oct 10, 2026, and its contact page posted no storm notice that day.

Source: Cypress contact page, read Oct 10, 2026

Still deciding? Let us shop your Cypress Insurance 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.

Cypress Insurance reviews and complaints: what the public data shows

Cypress Insurance rating

A (Exceptional) from Demotech.

Complaints
0.40 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 1999 (27 years)
Regulatory actions
Not available

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