Florida home insurance companies: who's open in 2026
Open means the company is taking new policies. Here is every home insurance company we track in Florida, A to Z, with its status today, its size, its latest rate change and its financial strength. Tap a company for its rules and claims number.
The Florida home insurance market, on one page
Homeowners insurance by county: Brevard County , Broward County , Collier County , Duval County , Hillsborough County , Lee County , Miami-Dade County , Orange County , Palm Beach County , Pasco County , Pinellas County and Sarasota County
| Company | New policies | Policies in force | Latest rate change | Financial strength | Shop your renewal |
|---|---|---|---|---|---|
| AAA (Auto Club) Home, condo, auto and flood | Taking new policies | 86,461 Jul 31, 2026 | Not available | A- (Excellent) AM Best | Shop your AAA (Auto Club) renewal |
| AIG Home, auto and umbrella | Taking some new policies | 3,666 Jul 31, 2026 | Not available | Not available | Shop your AIG renewal |
| Allstate Auto, home, condo and flood | Taking some new policies | 210,373 Jul 31, 2026 | Not available | A'' (Unsurpassed) Demotech | Shop your Allstate renewal |
| American Integrity Home, condo, renters, landlord and flood | Taking new policies | 423,783 Jul 31, 2026 | +9.2% Home, from Apr 7, 2026 | A (Exceptional) Demotech | Shop your American Integrity renewal |
| American Modern Home and landlord | Taking some new policies | 123,124 Jul 31, 2026 | −12.8% Renters, from Oct 11, 2026 | A+ (Superior) AM Best | Shop your American Modern renewal |
| American National Home | Not taking new policies | 8,053 Jul 31, 2026 | Not available | A (Excellent) AM Best | Shop your American National renewal |
| American Traditions Home, condo and renters | Taking new policies | 143,945 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your American Traditions renewal |
| Amica Home, condo, renters, auto and umbrella | Taking new policies | 15,345 Jul 31, 2026 | Not available | A+ (Superior) AM Best | Shop your Amica renewal |
| Apex Star Home and business | Taking new policies | 13,151 Jul 31, 2026 | Not available | BBB KBRA | Shop your Apex Star renewal |
| Assurant Renters, home and flood | Taking new policies | 379,842 Jul 31, 2026 | Not available | A+ (Superior) AM Best | Shop your Assurant renewal |
| Auto-Owners Auto, home and business | Taking new policies | Not available | Not available | A+ (Superior) AM Best | Shop your Auto-Owners renewal |
| Chubb Home, condo, renters, auto, flood, umbrella and business | Taking some new policies | 31,148 Jul 31, 2026 | Not available | A++ (Superior) AM Best | Shop your Chubb renewal |
| Cincinnati Insurance Home | Taking some new policies | 1,894 Jul 31, 2026 | Not available | Not available | Shop your Cincinnati Insurance renewal |
| Citizens Home, condo, renters and wind-only | Taking new policies | 273,822 Jul 31, 2026 | −8.8% Home, from Jul 1, 2026 | Not rated | Shop your Citizens renewal |
| CORE Home and business | Taking new policies | 4,748 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your CORE renewal |
| Cypress Insurance Home, condo, renters, landlord, flood and business | Taking new policies | 95,631 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Cypress Insurance renewal |
| Edison Insurance Home and condo | Taking new policies | 146,503 Jul 31, 2026 | −10% Home, from Jul 1, 2026 | A (Exceptional) Demotech | Shop your Edison Insurance renewal |
| Farmers Insurance Auto and home | Not taking new policies | 5,271 Jul 31, 2026 | Not available | A (Excellent) AM Best | Shop your Farmers Insurance renewal |
| Florida Family Insurance Home, condo, landlord and flood | Taking new policies | 66,379 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Florida Family Insurance renewal |
| Florida Farm Bureau Home, auto, landlord and business | Taking some new policies | 68,182 Jul 31, 2026 | Not available | B++ (Good) AM Best | Shop your Florida Farm Bureau renewal |
| Florida Peninsula Home, condo, renters, landlord and flood | Taking new policies | 198,951 Jul 31, 2026 | −0.9% Landlord, from Jul 1, 2026 | A (Exceptional) Demotech | Shop your Florida Peninsula renewal |
| Foremost Home | Taking new policies | 21,596 Jul 31, 2026 | Not available | A (Excellent) AM Best | Shop your Foremost renewal |
| Frontline Home, condo and landlord | Taking new policies | 324,880 Jul 31, 2026 | −6.9% Home, from Oct 13, 2025 | BBB+ KBRA | Shop your Frontline renewal |
| Heritage Home, condo and landlord | Taking new policies | 108,097 Jul 31, 2026 | −3.3% Home, from Feb 18, 2026 | A (Exceptional) Demotech | Shop your Heritage renewal |
| Hippo (Spinnaker) Home | Taking some new policies | 80,086 Jul 31, 2026 | Not available | A- (Excellent) AM Best | Shop your Hippo (Spinnaker) renewal |
| Homeowners Choice Home, condo and landlord | Taking new policies | 135,176 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Homeowners Choice renewal |
| Homesite Home | Taking some new policies | 97,692 Jul 31, 2026 | Not available | Not available | Shop your Homesite renewal |
| Kin Home, condo, landlord, flood and auto | Taking new policies | 171,006 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Kin renewal |
| Lemonade Renters, home and auto | Taking new policies | 85,497 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Lemonade renewal |
| Liberty Mutual Auto, home, condo and renters | Taking new policies | 37,071 Jul 31, 2026 | Not available | A (Excellent) AM Best | Shop your Liberty Mutual renewal |
| Lilypad (Centauri) Home, condo, renters, landlord, flood and business | Taking new policies | 6,851 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Lilypad (Centauri) renewal |
| Loggerhead Home | Taking new policies | 72,422 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Loggerhead renewal |
| Mangrove Home and landlord | Taking some new policies | 61,371 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Mangrove renewal |
| Markel Home, condo, landlord and renters | Taking some new policies | 26,650 Jul 31, 2026 | Not available | A (Excellent) AM Best | Shop your Markel renewal |
| Monarch National Home, landlord, condo, renters and flood | Taking new policies | 132,452 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Monarch National renewal |
| Nationwide Auto and home | Taking some new policies | 19,730 Jul 31, 2026 | Not available | A (Excellent) AM Best | Shop your Nationwide renewal |
| Olympus Insurance Home, condo and landlord | Taking new policies | 76,902 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Olympus Insurance renewal |
| One Alliance Home, business and flood | Taking new policies | 19,337 Jul 31, 2026 | −10.4% Home, from May 21, 2026 | A (Exceptional) Demotech | Shop your One Alliance renewal |
| Orange Insurance Exchange Home, condo, landlord, flood and business | Taking new policies | 36,825 Jul 31, 2026 | Not available | A (Excellent) Demotech | Shop your Orange Insurance Exchange renewal |
| Ovation Home Insurance Exchange Home | Taking new policies | 76,455 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Ovation Home Insurance Exchange renewal |
| Patriot Select Home | Taking new policies | 34,982 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Patriot Select renewal |
| People's Trust Home and flood | Taking new policies | 92,961 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your People's Trust renewal |
| Praxis Home | Taking new policies | 18,418 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Praxis renewal |
| Progressive Auto, home and business | Taking some new policies | Not available | Not available | A+ (Superior) AM Best | Shop your Progressive renewal |
| Progressive Home (ASI) Home, condo and renters | Taking some new policies | 171,363 Jul 31, 2026 | Not available | A+ (Superior) AM Best | Shop your Progressive Home (ASI) renewal |
| PURE Insurance Home, condo, auto, flood and umbrella | Taking new policies | 9,861 Jul 31, 2026 | −7.6% Home, from Feb 15, 2026 | A (Excellent) AM Best | Shop your PURE Insurance renewal |
| Safe Harbor Home, condo and landlord | Taking new policies | 78,437 Jul 31, 2026 | −3% Condo, from Oct 15, 2025 | A (Exceptional) Demotech | Shop your Safe Harbor renewal |
| SafePoint Home, condo, landlord and business | Taking some new policies | 218,752 Jul 31, 2026 | −3.3% Renters, from Sep 1, 2025 | A (Exceptional) Demotech | Shop your SafePoint renewal |
| Security First Home, condo, renters and landlord | Taking new policies | 159,386 Jul 31, 2026 | −8% Home, from Dec 18, 2025 | A (Exceptional) Demotech | Shop your Security First renewal |
| Slide Home, condo and business | Taking new policies | 475,227 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Slide renewal |
| Southern Oak Insurance Home, condo, renters, landlord and flood | Taking new policies | 144,352 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Southern Oak Insurance renewal |
| State Farm Home, condo, renters and auto | Taking new policies | 654,641 Jul 31, 2026 | +0.8% Home, from Jan 15, 2026 | A- (Excellent) AM Best | Shop your State Farm renewal |
| Stillwater Home, condo, renters, auto and business | Taking new policies | 5,840 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Stillwater renewal |
| Sypher Home | Taking some new policies | Not available | Not available | Not available | Shop your Sypher renewal |
| Tailrow Home | Taking new policies | 33,469 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Tailrow renewal |
| The Hartford Home and auto | Taking some new policies | 5,318 Jul 31, 2026 | Not available | A+ (Superior) AM Best | Shop your The Hartford renewal |
| Tower Hill Home, condo, renters, landlord, flood and business | Taking new policies | 428,138 Jul 31, 2026 | −5% Home, from Dec 1, 2025 | A (Exceptional) Demotech | Shop your Tower Hill renewal |
| Trident Home | Taking new policies | 23,529 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your Trident renewal |
| TRUE (Trusted Resource Underwriters Exchange) Home | Taking new policies | 33,187 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your TRUE (Trusted Resource Underwriters Exchange) renewal |
| TypTap Home | Taking new policies | 72,305 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your TypTap renewal |
| Unique Insurance Home | Taking new policies | 12,542 Jul 31, 2026 | −3.2% Home, from Sep 1, 2026 | BBB- KBRA | Shop your Unique Insurance renewal |
| Universal Property Home, condo, renters and landlord | Taking new policies | 594,182 Jul 31, 2026 | −5.1% Home, from Oct 16, 2025 | A Demotech | Shop your Universal Property renewal |
| US Coastal Home, condo, landlord and business | Taking new policies | 49,258 Jul 31, 2026 | Not available | A (Exceptional) Demotech | Shop your US Coastal renewal |
| USAA Auto, home, condo and renters | Taking some new policies | 338,547 Jul 31, 2026 | Not available | A++ (Superior) AM Best | Shop your USAA renewal |
| Vault Insurance Home, auto, umbrella and flood | Taking new policies | 553 Jul 31, 2026 | Not available | A- (Excellent) AM Best | Shop your Vault Insurance renewal |
| Vyrd Home | Taking new policies | 28,588 Jul 31, 2026 | −10.4% Home, from May 15, 2026 | A (Exceptional) Demotech | Shop your Vyrd renewal |
Source: Policies in force: Florida OIR, as of Jul 31, 2026. Rate changes: statewide averages filed with OIR. Financial strength: Demotech, AM Best or KBRA. Tap a company for each date and link.
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