People's Trust Insurance
People's Trust is a Deerfield Beach home insurer in Florida since 2008. Privately held and Demotech A, it is known for a 24/7 claims line and in house repairs.
You can find it on our list of Florida home insurance companies. Its Florida company code is 03733 and its NAIC number is 13125.
Taking new policiesChecked Oct 20 Home and flood
Is People's Trust leaving Florida? No. It is selling new home policies in Florida in 2026. Its storm hold in 15 Panhandle counties ended on October 13, 2026. Checked Oct 2026.
New policies
Taking new policies
As of Oct 20, 2026
Policies in force
92,961
Jul 31, 2026, OIR
Latest rate change
Not available
No rate change on file
Financial strength
A (Exceptional)
From Demotech
Complaints
0.31
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
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What's changed recently
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Storm hold for Hurricane Isaias in 15 counties in the Panhandle
New business was paused at 4:00 PM on Oct 7, 2026. So were endorsements that raise coverage. The hold is in 15 Panhandle counties, from Escambia east to Wakulla, Leon and Gadsden. No lift date was given.
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Rules for new policies loosened
People's Trust now accepts 4 Point inspections in place of its own home inspection. It checks roof age by permit. It will consider homes with no prior insurance. It raised its high value review threshold to $2 million.
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OIR issues its exam of Hurricane Ian claims
OIR's targeted market conduct exam of 120 Hurricane Ian claims found 4 not acknowledged within 14 days and 5 not paid or denied within 90 days. The report states no fine or corrective action.
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Demotech affirmed its rating for People's Trust Insurance Company. The rating is A (Exceptional). It noted more than 500 employees in its family of companies. It also noted its tie to the Rapid Response Team.
Rate history
No rate filings tracked yet.
OIR sample yearly rate for its example home: $2,078 to $15,229 across 67 Florida counties (median $3,631).
The example is a $300,000 masonry home built in 2005. A sample rate is not a quote. Source: Florida Office of Insurance Regulation, CHOICES homeowners rate tool, example 6, read Oct 20, 2026.
18 years in Florida
In Florida since 2008. Has paid claims through 10 hurricanes.
Compare People's Trust side by side
| People's Trust | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking new policies Checked Oct 20, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | 92,961 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 | 0.31 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 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 | 2008 | 1934 | 1997 |
People also compare with
- State Farm Taking new policies
State Farm sells home, condo, renters and auto policies in Florida. It uses its own agents. Home policies come from State Farm Florida, a Florida only firm.
- Universal Property Taking new policies
Universal Property is a Fort Lauderdale company. It has insured Florida homes since 1997. It is now the second largest home insurer in Florida, sold by agents.
- Slide Taking new policies
Slide is a Tampa home insurer founded in 2021. It grew fast by taking on policies from Citizens, UPC, St. Johns and Farmers customers in Florida.
- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. It has covered Florida homes since 1972. New policies come from the Tower Hill Insurance Exchange. Its members own it.
- 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.
Questions people ask about People's Trust
Is People's Trust leaving Florida?No.
People's Trust is taking new home policies in Florida in 2026. On September 8, 2026 it loosened its underwriting rules to accept more homes. OIR lists no market reduction, consent order or exit notice for the company. A storm hold for Hurricane Isaias covers 15 Panhandle counties since October 7, 2026.
What is the People's Trust claims phone number?Call the People's Trust Claims Hotline at 561-609-1002.
It is open 24 hours a day, 7 days a week. You can also start a claim in the policyholder portal at mypti.com. The company asks policyholders to call it first after a loss so its repair team can be sent out to limit the damage.
Is People's Trust a good company?Public data only: Demotech rates People's Trust Insurance Company A (Exceptional), affirmed Aug 19, 2021.
It has sold Florida home policies since 2008. A 2024 OIR review looked at 120 Hurricane Ian claims. It found 4 late acknowledgments and 5 claims not paid or denied within 90 days. No penalty was stated.
Source: Demotech notification, 2021-08-19; OIR targeted market conduct exam report, 2024-03-01
Who owns People's Trust?People's Trust Insurance Company is privately held.
Its parent is People's Trust Holdings, LLC. OIR's exam report shows the parent is owned through a living trust and a holding company controlled by George W. Schaeffer. He is the company's President and CEO. Affiliates include the Rapid Response Team, LLC repair contractor and People's Trust MGA, LLC.
Is People's Trust admitted in Florida?Yes.
People's Trust Insurance Company is a Florida domestic stock insurer. It was incorporated in Florida on Jan 17, 2008. It got its Certificate of Authority on March 6, 2008. Its NAIC code is 13125. It is an admitted insurer that writes homeowners. That makes it a member of the Florida Insurance Guaranty Association.
Is People's Trust the same as the Rapid Response Team?No.
They are separate companies with the same owners. People's Trust Insurance Company issues the policy. Rapid Response Team, LLC is an affiliated restoration contractor. People's Trust can send it to your home 24/7 after a claim. The company's site calls it a preferred contractor with a 3 year workmanship guarantee.
Source: OIR financial examination report as of 2020-12-31; People's Trust About Us page, read 2026-10-10
People's Trust reviews and complaints: what the public data shows
People's Trust rating
- Complaints
- 0.31 on the NAIC complaint index 1.00 is average. Higher means more complaints for its size. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
- Years in Florida
- Since 2008 (18 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.