GeoVera Insurance

GeoVera sells home, landlord and wind only insurance in Florida.

Based in Fairfield, CA. In Florida since 1995.

Taking new home, landlord and wind only policies

Florida company code S1238, NAIC 10182.

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Surplus lines company. Their policies are not backed by FIGA, the state fund for failed insurers. As of Oct 19, 2026. Source: Florida Office of Insurance Regulation, company search.

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Policies in force

Not available

No count on file

Latest rate change

Not available

No rate change on file

Financial strength

A (Excellent)

From AM Best, as of Oct 20, 2026

Complaints

NAIC shows no confirmed complaints in 2025.

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

Two choices when your GeoVera rate goes up

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

  • Keep GeoVera, switch your agent. You sign one form. Same company, same coverage, same price. Only your agent changes, to one who answers the phone.
  • Shop it. Your new agent checks 80+ companies at every renewal.
Talk to a licensed agent (727) 997-5999

Or send a message

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

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What's changed recently

Is GeoVera leaving Florida? No. On Oct 20, 2026 their site said their Florida home cover is sold through wholesale brokers. As of Nov 2, 2026. Source: geovera.com.

  1. GeoVera gets the OK to sell in Florida

    GeoVera's insurer has been on OIR's surplus lines list since Sept. 21, 1995.

See every GeoVera update

Rate history

No rate filings tracked yet.

Want your GeoVera renewal shopped?

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

or call (727) 997-5999

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31 years in Florida

In Florida since 1995. Has paid claims through 20 hurricanes.

1995200020052010201520202025Opal (1995, Category 3 at Florida landfall)Opal Cat 3Earl (1998, Category 1 at Florida landfall)Earl Cat 1Georges (1998, Category 2 at Florida landfall)Georges Cat 2Irene (1999, Category 1 at Florida landfall)Irene Cat 1Charley (2004, Category 4 at Florida landfall)Charley Cat 4Frances (2004, Category 2 at Florida landfall)Frances Cat 2Ivan (2004)IvanJeanne (2004, Category 3 at Florida landfall)Jeanne Cat 3Dennis (2005, Category 3 at Florida landfall)Dennis Cat 3Wilma (2005, Category 3 at Florida landfall)Wilma Cat 3Matthew (2016)MatthewIrma (2017, Category 4 at Florida landfall)Irma Cat 4Michael (2018, Category 5 at Florida landfall)Michael Cat 5Ian (2022, Category 4 at Florida landfall)Ian Cat 4Nicole (2022, Category 1 at Florida landfall)Nicole Cat 1Idalia (2023, Category 3 at Florida landfall)Idalia Cat 3Debby (2024, Category 1 at Florida landfall)Debby Cat 1Helene (2024, Category 4 at Florida landfall)Helene Cat 4Milton (2024, Category 3 at Florida landfall)Milton Cat 3Isaías (2026, Category 2 at Florida landfall)Isaías Cat 2

Compare GeoVera side by side

GeoVera side by side with State Farm and Universal Property
GeoVera State Farm Universal Property
New policies Taking new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026 Taking new policies Checked Nov 2, 2026
Florida policies Not available 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 NAIC shows no confirmed complaints in 2025. 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 (Excellent) AM Best, Oct 20, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1995 1934 1997

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  • Universal Property Taking new policies

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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.

More on our list of Florida home insurance companies.

Questions people ask about GeoVera

What is the GeoVera claims phone number?Call GeoVera claims at 800-735-8086 for home, landlord, vacant home and wind only policies.

You can also report a claim online, 24/7.

Source: GeoVera claims pages, read Oct 20, 2026

Is GeoVera backed by FIGA?No.

GeoVera's Florida insurer is a surplus lines company, so FIGA does not cover their policies. OIR has listed them since Sept. 21, 1995.

Source: Florida OIR company search, read Oct 20, 2026

How do I buy a GeoVera policy in Florida?GeoVera says their Florida home cover is sold through their wholesale broker partners.

Ask your agent.

Source: GeoVera home page, read Oct 20, 2026

What does GeoVera sell in Florida?Their site lists home, landlord, vacant home and wind only cover for Florida.

Source: GeoVera site, read Oct 20, 2026

Is GeoVera a good insurance company?Public data only: AM Best rates GeoVera Specialty Insurance Company A (Excellent).

AM Best affirmed that on April 1, 2026. The NAIC shows no home complaints against it in 2025.

Source: AM Best rating disclosure, April 1, 2026; NAIC Consumer Insurance Search, 2025 homeowners complaints, read 2026-10-20

Who owns GeoVera?A firm called GeoVera Nova Holdings owns it.

SageSure put money into that firm in a deal that closed on January 2, 2025. SageSure also bought the GeoVera team that sells policies and runs claims. So SageSure now does that work for GeoVera.

Source: SageSure, SageSure Closes Acquisition of GeoVera Advantage Insurance Services (Jan. 2, 2025), linked from geovera.com/who-we-are, read 2026-10-21

Still deciding? Let us shop your GeoVera renewal.

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

or call (727) 997-5999

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GeoVera reviews and complaints: what the public data shows

GeoVera rating

A (Excellent) from AM Best, as of Oct 20, 2026.

Complaints
NAIC shows no confirmed complaints in 2025. NAIC, 2025, nationwide, homeowners. As of Oct 20, 2026.
Years in Florida
Since 1995 (31 years)
Regulatory actions
Not available

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