Florida Family Insurance

Florida Family Insurance is a home insurer in Bonita Springs. It has sold in Florida since 1996. Agents sell its home, condo, rental and flood policies.

You can find it on our list of Florida home insurance companies. Its Florida company code is 02985 and its NAIC number is 10688.

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

Is Florida Family leaving Florida? No. It has insured Florida homes since 1996, and its site posted no stop or storm notice on Oct 10, 2026. As of Oct 19, 2026. Source: floridafamily.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

66,379

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech

Complaints

1 complaint in 2025 (NAIC, nationwide)

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 Florida Family Insurance renewal go up?

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

  • Keep Florida Family Insurance, 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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Or send a message

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

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What's changed recently

  1. Demotech affirms the A rating

    On Aug 1, 2022, Demotech kept Florida Family at A (Exceptional). That is its grade for financial stability. The notice cited over 90,000 policyholders in the state. It named offices in Bonita Springs and Jacksonville.

  2. Policy counts filed as trade secret with OIR

    OIR lists Florida Family Insurance Company as a trade secret filer. This began with the first quarter of 2021. So its policy counts are left out of the public Market Intelligence Reports.

  3. AM Best affirms A- (Excellent), Stable

    AM Best affirmed Florida Family's A- (Excellent) financial strength rating. The outlook was Stable. The firm also held a Demotech A Prime rating. It said it had more than 100,000 policyholders.

  4. Florida Family founded in 1996

    Florida Family Insurance Company was formed on March 19, 1996. It began business that day in Bonita Springs. It sold home policies through independent agents.

See every Florida Family Insurance update

Rate history

No rate filings tracked yet.

Want your Florida Family Insurance 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.

30 years in Florida

In Florida since 1996. Has paid claims through 19 hurricanes.

200020052010201520202025 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 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 Florida Family Insurance side by side

Florida Family Insurance side by side with State Farm and Universal Property
Florida Family 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 66,379 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 1 complaint in 2025 (NAIC, nationwide) 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 A (Exceptional) Demotech A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1996 1934 1997

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  • Slide Taking new policies

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  • Tower Hill Taking new policies

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Questions people ask about Florida Family Insurance

Is Florida Family Insurance leaving Florida?No.

Florida Family has insured Florida homes since 1996. OIR lists no market reduction, consent order or exit notice for it through October 2026. Its site posted no stop or storm notice on Oct 10, 2026.

Source: Florida Family home page, read Oct 10, 2026

What is the Florida Family Insurance claims phone number?Call 888-486-4663 to report a claim.

Florida Family's customer service line is 888-850-4663. Both numbers are on its contact page, which lists no hours for the claims line.

Source: Florida Family contact page, read Oct 10, 2026

Is Florida Family Insurance a good company?Public data only: Demotech rates Florida Family Insurance Company A (Exceptional).

It affirmed that on August 1, 2022. It has sold Florida home policies since 1996. It reported over 90,000 policyholders in 2022. AM Best rated it A- (Excellent) in 2016. Its current AM Best rating could not be confirmed.

Source: Demotech notification, 2022-08-01; company release, 2016-12-22

Who owns Florida Family Insurance?No parent company was named on any public page read for this check.

Florida Family Insurance Company is a Florida domiciled insurer. It is based in Bonita Springs and has a second office in Jacksonville. It was formed on March 19, 1996. Florida Family Home Insurance Company is a sister firm under the same brand.

Source: BBB profile, read 2026-10-09; Demotech notification, 2022-08-01

Is Florida Family Insurance admitted in Florida?Yes.

Florida Family Insurance Company is a Florida domiciled, authorized insurer. Its NAIC code is 10688. It files policy data with OIR each quarter as a trade secret filer. Only authorized insurers can do that. It is admitted and sells home cover. So it is a member of the Florida Insurance Guaranty Association.

Source: OIR Residential Market Share Reports page, read 2026-10-09

Is Florida Family Insurance the same as Florida Family Home Insurance Company?No.

They are two firms under one brand. Florida Family Insurance Company, NAIC 10688, is the one Demotech rates and OIR lists. Florida Family Home Insurance Company is a sister insurer. Check the declarations page of your policy to see which one issued it.

Source: Demotech notification, 2022-08-01; OIR Market Share Reports page, read 2026-10-09

Still deciding? Let us shop your Florida Family 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.

Florida Family Insurance reviews and complaints: what the public data shows

Florida Family Insurance rating

A (Exceptional) from Demotech.

Complaints
1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 1996 (30 years)
Regulatory actions
Not available

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