Taking some new policies. Sells Florida renters type coverage through partner programs, not direct. It no longer offers lender placed home coverage. It sold that business in 2015. as of Oct 19, 2026

QBE Insurance

QBE sells personal lines in Florida through Praetorian Insurance Company. In 2015, QBE sold its lender placed home business. It went to National General.

You can find it on our list of Florida insurance companies. Its Florida company code is 01894 and its NAIC number is 37257.

Taking some new policiesChecked Oct 19 Renters and business

Is QBE leaving Florida? No. Its Praetorian unit had 15,568 Florida home policies on July 31, 2026, per OIR. QBE sold its lender placed home business to National General in 2015. As of Oct 19, 2026. Source: qbe.com.

By , updated

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New policies

Taking some new policies

As of Oct 19, 2026

Policies in force

15,568

Jul 31, 2026, OIR

Latest rate change

Not available

No rate change on file

Financial strength

A (Excellent)

From AM Best, as of Oct 15, 2026

Complaints

2.58

NAIC index, 2025. 1.00 is average.

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 QBE renewal go up?

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

  • Keep QBE, 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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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

  1. Allstate wraps up its deal to buy National General

    Allstate closed its deal to buy National General Holdings Corp. That firm bought QBE's former lender placed business. Allstate's release lists lender placed insurance as one of National General's lines.

  2. QBE agrees to sell its lender placed business

    QBE North America agreed to sell its US lender placed insurance business. The buyer was National General Holdings Corp. The price was about $90 million. Mortgage servicers buy this cover when a borrower's policy lapses.

  3. Florida takes a look at Praetorian's lender placed rates

    In August 2012, Florida's OIR held a public rate hearing on Praetorian's lender placed home rates. It said the company's proposed rate cut did not go far enough.

See every QBE update

Rate history

No rate filings tracked yet.

Want your QBE 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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40 years in Florida

In Florida since 1986. Has paid claims through 23 hurricanes.

19901995200020052010201520202025 Floyd (1987 , Category 1 at Florida landfall) Floyd Cat 1 Andrew (1992 , Category 5 at Florida landfall) Andrew Cat 5 Erin (1995 , Category 2 at Florida landfall) Erin Cat 2 Opal (1995 , Category 3 at Florida landfall) Opal Cat 3 Earl (1998 , Category 1 at Florida landfall) Earl Cat 1 Georges (1998 , Category 2 at Florida landfall) Georges Cat 2 Irene (1999 , Category 1 at Florida landfall) Irene Cat 1 Charley (2004 , Category 4 at Florida landfall) Charley Cat 4 Frances (2004 , Category 2 at Florida landfall) Frances Cat 2 Ivan (2004 ) Ivan Jeanne (2004 , Category 3 at Florida landfall) Jeanne Cat 3 Dennis (2005 , Category 3 at Florida landfall) Dennis Cat 3 Wilma (2005 , Category 3 at Florida landfall) Wilma Cat 3 Matthew (2016 ) Matthew Irma (2017 , Category 4 at Florida landfall) Irma Cat 4 Michael (2018 , Category 5 at Florida landfall) Michael Cat 5 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 QBE side by side

QBE side by side with State Farm and Universal Property
QBE State Farm Universal Property
New policies Taking some new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026 Taking new policies Checked Oct 19, 2026
Florida policies 15,568 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 2.58 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 (Excellent) AM Best, Oct 15, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 1986 1934 1997

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Questions people ask about QBE

Is QBE leaving Florida?No sign of that.

OIR counted 15,568 Florida home policies at Praetorian Insurance Company, QBE's personal lines company, on July 31, 2026. QBE did leave one Florida line. In July 2015 it agreed to sell its lender placed home insurance business to National General.

Source: OIR Market Intelligence Report, July 31, 2026; National General release, July 15, 2015

Who handles lender placed insurance that QBE used to write?National General.

In July 2015, QBE agreed to sell its US lender placed insurance business to National General Holdings. The price was about $90 million. Allstate bought National General on January 4, 2021. Did your mortgage servicer place coverage on your home? Then its notice names the insurer on that policy today.

Source: Insurance Journal, July 16, 2015; Allstate release, January 4, 2021 (SEC filing)

Is QBE the same as Praetorian?Yes.

Praetorian Insurance Company is part of QBE North America. State officials and the press name them side by side. A settlement with many states names QBE Specialty Insurance Company and Praetorian. In 2012, Florida reviewed Praetorian's lender placed rates. News on that called them QBE's rates.

Source: South Dakota regulatory settlement file; Insurance Insider and Law360 headlines, 2012

Who owns QBE?Praetorian Insurance Company and QBE Insurance Corporation are both part of QBE North America.

That is the US arm of the QBE group. QBE Insurance Corporation is NAIC 39217. It insures apartment and condo buildings in Florida. OIR counted 171 of those commercial residential policies. That was on July 31, 2026.

Source: National General release, July 15, 2015; OIR Market Intelligence Report, July 31, 2026

Is QBE admitted in Florida?Public records point to yes for Praetorian Insurance Company, NAIC 37257.

It reports its Florida policy counts to OIR. In 2012, the state held a public hearing. It was on Praetorian's lender placed rate filing. Admitted insurers do both. Admitted home insurers are in the Florida Insurance Guaranty Association.

Source: Colodny Fass post on the OIR rate hearing for Praetorian, 2012

What is the QBE claims phone number?Call QBE's 24/7 claims line at 844-723-2524, also written 844-QBE-CLAIMS.

Have your policy number ready. Home and renter claims can also be filed online on qbe.com.

Source: QBE individuals and families claims page, read Oct 10, 2026

Still deciding? Let us shop your QBE 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.

QBE reviews and complaints: what the public data shows

QBE rating

A (Excellent) from AM Best, as of Oct 15, 2026.

Complaints
2.58 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 1986 (40 years)
Regulatory actions
Not available

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