Sypher Insurance
Sypher is a new Tampa home insurer owned by its members. It sells HO3 home policies in Florida through agents.
You can find it on our list of Florida home insurance companies. Its Florida company code is 94345 and its NAIC number is 17955.
Taking some new policiesChecked Oct 20 Home
Is Sypher leaving Florida? No. Sypher is a new Tampa home insurer. OIR licensed it on May 29, 2026, and its site offered quotes through agents on Oct 20, 2026. As of Oct 20, 2026. Source: getsypher.com.
New policies
Taking some new policies
As of Oct 20, 2026
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
Not available
No rating on file
Complaints
Not available
NAIC
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Did your Sypher renewal go up?
You have two choices. One 5 minute call covers both.
Before you call, see the Florida home insurance renewal checklist.
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What's changed recently
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KBRA rated Sypher BBB for its financial strength. It gave a stable outlook.
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Sypher plans to start selling home policies
Sypher said it got its license. It said it would start to sell home policies across Florida later that summer.
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Sypher gets its license from OIR
Sypher, a Tampa firm owned by its members, got its Florida license on May 29, 2026, OIR shows.
Rate history
No rate filings tracked yet.
0 years in Florida
In Florida since 2026. Has paid claims through 1 hurricane.
Compare Sypher side by side
| Sypher | State Farm | Universal Property | |
|---|---|---|---|
| New policies | Taking some new policies Checked Oct 20, 2026 | Taking new policies Checked Oct 19, 2026 | Taking new policies Checked Oct 19, 2026 |
| Florida policies | Not available | 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 | Not available | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 2.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | Not available | A- (Excellent) AM Best | A Demotech, Oct 7, 2026 |
| In Florida since | 2026 | 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 Sypher
What is the Sypher Insurance phone number?Call Sypher at 844-817-1700.
Its site lists no separate claims line. To report a claim, use the File a Claim link on its home page.
Is Sypher a real insurance company?Yes.
OIR shows Sypher Insurance Exchange as a Florida insurer owned by its members. It got its license on May 29, 2026. Sypher said on June 1, 2026 that it would start to sell home policies across Florida that summer.
What is Sypher's rating?KBRA gave Sypher Insurance Exchange a BBB insurance financial strength rating with a stable outlook.
The rating was announced June 2, 2026.
What is a reciprocal exchange like Sypher?In a reciprocal, the people it insures own it and insure each other.
They may share in profits through savings accounts. Sypher Risk Management, LLC runs the exchange for them.
How do I get a Sypher quote?Sypher sells through licensed agents.
Its quote page takes your details so an agent can reach you.
Sypher reviews and complaints: what the public data shows
Sypher rating
Florida does not publish complaint or rating data for Sypher. What we do have: Sypher has been in Florida since 2026.
No star ratings and no user reviews, only public data.