Ovation Home Insurance Exchange

Ovation Home Insurance Exchange is owned by its members. It is in Boca Raton and began selling Florida policies in 2024. The Florida Peninsula team runs it.

You can find it on our list of Florida home insurance companies. Its Florida company code is 56346 and its NAIC number is 17621.

Taking new policiesChecked Oct 19 Home

Is Ovation 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

76,455

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

2 complaints 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 Ovation Home Insurance Exchange renewal go up?

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  • Keep Ovation Home Insurance Exchange, 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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What's changed recently

  1. Demotech affirms its A rating

    On September 14, 2026, Demotech affirmed Ovation's rating. It is a Financial Stability Rating of A. Demotech calls that Exceptional. It lists reinsurance use at 60 to 70 percent of premium.

  2. Selling through agents with $50 million backing

    Stacey Giulianti is counsel for Windward Risk Managers. Ovation sells through agents at competitive rates, the counsel said. It has about $50 million in backing, too. Newer insurers carry none of the pre 2023 lawsuits.

  3. OIR notes creation of Ovation

    OIR did an exam report on Florida Peninsula. It says the parent set up Ovation Home Insurance Exchange. It is in the holding company. The parent is Florida Peninsula Holdings, LLC. No impact on the insurer was expected.

  4. Launch announced, policies from June 2024

    Windward Risk Managers said OIR approved Ovation. It is a Florida reciprocal. It is the eighth new property insurer since the 2022 reforms. Policies started June 2024 through existing agents.

See every Ovation Home Insurance Exchange update

Rate history

No rate filings tracked yet.

Want your Ovation Home Insurance Exchange 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.

2 years in Florida

In Florida since 2024. Has paid claims through 4 hurricanes.

20242026 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 Ovation Home Insurance Exchange side by side

Ovation Home Insurance Exchange side by side with State Farm and Universal Property
Ovation Home Insurance Exchange 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 76,455 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 2 complaints 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 2024 1934 1997

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Questions people ask about Ovation Home Insurance Exchange

Is Ovation the same as Florida Peninsula?No.

They are separate insurers. Each has its own policies, claims numbers and NAIC codes. Florida Peninsula Holdings, LLC set up Ovation inside its holding company. Windward Risk Managers in Boca Raton runs both day to day. Ovation is an exchange owned by its members. Florida Peninsula does not own it.

Source: OIR Florida Peninsula exam report dated 2024-05-08; Windward release 2026-06-26

Is Ovation leaving Florida?No.

Ovation is a new Florida insurer that began selling home policies in 2024. It paused new policies for Hurricane Isaías. It started taking them again on Oct 11, 2026. Demotech affirmed its A rating on Sept 14, 2026.

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

What is the Ovation claims phone number?Call 888-247-0486 for the Claims Department.

Water damage claims have their own hotline at 888-450-3119. You can also file a claim through the member portal at any time. The company does not publish phone hours. Claims mail goes to PO Box 25602, Lehigh Valley, PA 18002-5602.

Source: Ovation contact and claims pages, read 2026-10-10

Who owns Ovation?Its members.

Ovation is a reciprocal exchange. So the people who hold its policies own it. They share in results through a Subscriber Advisory Committee. Florida Peninsula Holdings, LLC set it up in 2024. Windward Risk Managers runs it as attorney in fact. Windward is also behind Florida Peninsula and Edison.

Source: Ovation about page, read 2026-10-10; OIR Florida Peninsula exam report dated 2024-05-08

Is Ovation a good company?Public facts only: Demotech rates it A (Exceptional), affirmed September 14, 2026.

It has sold Florida home policies since 2024. So it has a short track record and no OIR exam report yet. In July 2025 Windward's counsel said it had about $50 million in backing.

Source: Demotech company page, read 2026-10-10; WFLX 2025-07-15

Is Ovation admitted in Florida?Yes.

Ovation Home Insurance Exchange is a Florida domiciled reciprocal insurer. OIR approved it in 2024. Its NAIC code is 17621. It is an admitted insurer that writes homeowners. So it is a member of the Florida Insurance Guaranty Association. It is not a surplus lines company.

Source: Reinsurance News 2024-04-05; Weiss listing for NAIC 17621; FIGA membership page

Still deciding? Let us shop your Ovation Home Insurance Exchange 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.

Ovation Home Insurance Exchange reviews and complaints: what the public data shows

Ovation Home Insurance Exchange rating

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

Complaints
2 complaints in 2025 (NAIC, nationwide) NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2024 (2 years)
Regulatory actions
Not available

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