Loggerhead Insurance

Loggerhead is a Florida only home insurer in Tampa. It is a reciprocal owned by its members, licensed in September 2022. Loggerhead Risk Management runs it.

You can find it on our list of Florida home insurance companies. Its Florida company code is 53722 and its NAIC number is 17360.

Taking new policiesChecked Oct 19 Home

Is Loggerhead leaving Florida? No. It is a Florida only home insurer that started in September 2022. As of October 2026, its site was offering quotes on new Florida home policies. As of Oct 19, 2026. Source: loggerhead.insurance.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

72,422

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Exceptional)

From Demotech, as of Oct 20, 2026

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 Loggerhead renewal go up?

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

  • Keep Loggerhead, 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 its A (Exceptional) rating on Sep 17, 2026

    Demotech's company page shows Loggerhead's Financial Stability Rating of A. It was affirmed September 17, 2026. The page lists reinsurance use at 50% to 60% of premium.

  2. KBRA affirms BBB rating, Stable outlook

    KBRA affirmed Loggerhead's BBB financial strength rating. It cited capital that improved a lot in 2025 and better loss results. Offsets were surplus note leverage and its Florida focus.

  3. Loggerhead takes on the Progressive Home book

    In September 2023 Progressive Home said it would not renew about 115,000 Florida HO3 and DP3 policies. Loggerhead offered replacements starting with May 2024 effective dates. It expected to take on more than 100,000.

  4. Loggerhead gets its Florida license and starts up

    OIR gave Loggerhead a certificate of authority on September 13, 2022. It covers homeowners multi peril, inland marine, fire and allied lines. It opened that day. A $30 million surplus note of October 14, 2022 funded it.

See every Loggerhead update

Rate history

No rate filings tracked yet.

Want your Loggerhead 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.

4 years in Florida

In Florida since 2022. Has paid claims through 7 hurricanes.

202220242026 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 Loggerhead side by side

Loggerhead side by side with State Farm and Universal Property
Loggerhead 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 72,422 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, Oct 20, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2022 1934 1997

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Questions people ask about Loggerhead

Is Loggerhead leaving Florida?No.

Loggerhead was built for Florida and writes only in Florida. It was licensed September 13, 2022, began agent sales in May 2023, and took on more than 100,000 Progressive Home policies in 2024. KBRA affirmed its BBB rating with a Stable outlook on June 12, 2026 and noted ongoing growth plans.

Source: OIR exam as of 12/31/2023; Insurance Journal Jan 9, 2024; KBRA release June 12, 2026

What is the Loggerhead claims phone number?Call (855) 216-9428 to report a claim by phone.

You can also log in to your customer account at loggerhead.insurance and choose File a Claim at any time. The contact page lists claims service hours of Monday to Friday, 8 AM to 5 PM Eastern.

Source: Loggerhead claims and contact pages, read October 10, 2026

Is Loggerhead a good company?Public data only: Demotech affirmed Loggerhead's A (Exceptional) rating on September 17, 2026.

KBRA affirmed a BBB financial strength rating with a Stable outlook on June 12, 2026. It has sold in Florida since September 2022. It reported $53.2 million in surplus at year end 2024. OIR's exams for 2022 and 2023 found no significant issues.

Source: Demotech company page read Oct 10, 2026; KBRA releases June 17, 2025 and June 12, 2026; OIR exam reports as of 12/31/2022 and 12/31/2023

Who owns Loggerhead?Its policyholders.

Loggerhead is a reciprocal exchange, so members are part owners. There are no stockholders. Day to day it is run by Loggerhead Risk Management, LLC as attorney in fact. Loggerhead Holding Company, LLC supplies capital through surplus notes. Founders Todd Dixon and Jim Santo came from The Auto Club Group.

Source: KBRA release June 17, 2025; OIR exam as of 12/31/2023; Insurance Journal Jan 9, 2024

Is Loggerhead admitted in Florida?Yes.

Loggerhead Reciprocal Interinsurance Exchange is an admitted insurer. Its home state is Florida. OIR gave it a certificate of authority on September 13, 2022. It is for homeowners multi peril, inland marine, fire and allied lines. It is licensed only in Florida. OIR reviews its rates and forms.

Source: OIR financial examination report as of December 31, 2023

Is Loggerhead the same as Progressive or AAA?No.

Loggerhead is a separate company. Progressive Home chose not to renew about 115,000 Florida homeowners. In 2024 Loggerhead offered them replacement policies, with coverage starting May 2024 onward. Its founders used to work for The Auto Club Group (AAA). But Loggerhead is not owned by AAA or Progressive.

Source: Insurance Journal Jan 9, 2024; Socotra press release Jan 3, 2024

Still deciding? Let us shop your Loggerhead 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.

Loggerhead reviews and complaints: what the public data shows

Loggerhead rating

A (Exceptional) from Demotech, as of Oct 20, 2026.

Complaints
1 complaint in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2022 (4 years)
Regulatory actions
Not available

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