Edison Insurance

Edison Insurance is a home and condo insurer in Boca Raton. Florida Peninsula owns it. It has been in Florida since 2006. Independent agents sell it.

You can find it on our list of Florida home insurance companies. Its Florida company code is 03672 and its NAIC number is 12482.

Taking new policiesChecked Oct 19 Home and condo

Is Edison taking new policies? Yes. Its hold in 25 north Florida counties for Hurricane Isaías ended Oct 11 at 8:22 a.m. Policies it already had were never affected. Checked Oct 2026.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

146,503

Jul 31, 2026, OIR

Latest rate change

−10%

Home, from Jul 1, 2026

Financial strength

A (Exceptional)

From Demotech

Complaints

0.08

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

Did your Edison Insurance renewal go up?

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Before you call, see the Florida home insurance renewal checklist.

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What's changed recently

  1. Files for 9.8% average residential rate drop

    Edison filed a use and file request for an average 9.8% residential decrease, applied to renewals from July 15, 2026. OIR had not yet approved it at publication. Company reported more than 145,000 policies in force.

  2. OIR approves 10% HO3 and 10.5% HO6 decreases

    Approved decreases of 10% on HO3 homeowners and 10.5% on HO6 condo policies. They took effect July 1, 2026 for new business and July 15, 2026 for renewals.

  3. Sixth Citizens takeout approval of 2023

    OIR consent order 320986-23-CO approved Edison to assume Citizens policies in March 2024. Edison had six takeout approvals in 2023, from January 31 to December 28. No approvals are listed for 2024 to 2026.

  4. Florida Peninsula Holdings buys Edison. OIR signs off on the deal.

    Florida Peninsula Holdings bought the Edison Insurance Group. OIR gave its consent. Edison Insurance Company was part of the deal. Edison then had more than 25,000 policyholders. It was based in St. Petersburg.

See every Edison Insurance update

Rate history

Rate filing history: statewide average change per filingHomeowners: −10%, effective Jul 1, 2026 (approved)−10%HomeownersJul 1, 2026Condo: −10.5%, effective Jul 1, 2026 (approved)−10.5%CondoJul 1, 2026
Statewide average filed with OIR. Your renewal will differ.

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

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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 Edison Insurance side by side

Edison Insurance side by side with State Farm and Universal Property
Edison 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 146,503 Florida OIR, Jul 31, 2026 654,641 Florida OIR, Jul 31, 2026 594,182 Florida OIR, Jul 31, 2026
Latest rate change −10% Home, from Jul 1, 2026 +0.8% Home, from Jan 15, 2026 −5.1% Home, from Oct 16, 2025
Complaint index 0.08 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 (Exceptional) Demotech A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2006 1934 1997

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Questions people ask about Edison Insurance

Is Edison the same as Florida Peninsula?They are sister firms under one owner, not the same insurer.

Florida Peninsula Insurance Company owns 100% of Edison. Florida Peninsula Holdings owns Florida Peninsula. Both share a Boca Raton office. Both are run by Windward Risk Managers. Each has its own policies, claims number and NAIC code.

Source: OIR Edison financial examination report as of 2022-12-31, dated 2024-05-08

Is Edison leaving Florida?No.

Edison grew from about 102,700 policies in early 2023 to about 148,000 in early 2026, per OIR data. It paused new policies in 25 north Florida counties for Hurricane Isaías. It started taking them again on Oct 11, 2026. Current policies were never affected.

Source: Our status check, Oct 2026; Edison home page, read Oct 20, 2026

What is the Edison Insurance claims phone number?Call 888-683-7971 to report a new claim.

For a water damage claim, call the same number and select option 3. You can also file online through the policyholder portal. The company does not publish phone hours.

Source: Edison Insurance contact page, read 2026-10-09

Who owns Edison Insurance Company?Florida Peninsula Insurance Company owns 100% of Edison.

Florida Peninsula Holdings, LLC bought Edison Insurance Group. This was in January 2010. OIR gave its consent. At the time, the group was based in St. Petersburg. It had some 25,000 policyholders. Then the buyer put it under Florida Peninsula.

Source: Acquisition release 2010-01-04; OIR exam report dated 2024-05-08

Is Edison Insurance admitted in Florida?Yes.

Edison Insurance Company is a Florida domestic insurer. OIR authorized it on March 9, 2005. It has sold policies since January 2006. NAIC code 12482. Demotech rates it A (Exceptional). It is an admitted insurer and sells home policies. So it is a member of the Florida Insurance Guaranty Association.

Source: OIR exam report dated 2024-05-08; Demotech notification 2021-10-14

Does Edison sell new policies in Florida?Yes.

Edison started taking new policies again on Oct 11, 2026, after its Hurricane Isaías pause. On Oct 20, 2026 its site showed no pause. It sells home and condo policies through independent agents. New policies got a rate cut from July 1, 2026.

Source: Our status check, Oct 2026; Edison home page, read Oct 20, 2026

Still deciding? Let us shop your Edison 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.

Edison Insurance reviews and complaints: what the public data shows

Edison Insurance rating

A (Exceptional) from Demotech.

Complaints
0.08 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 2006 (20 years)
Regulatory actions
Not available

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