Tailrow Insurance

Tailrow is a home insurer owned by its policyholders. HCI Group backs this reciprocal. It opened in Florida in February 2025 with about 14,000 Citizens plans.

You can find it on our list of Florida home insurance companies. Its Florida company code is 98118 and its NAIC number is 17706.

Taking new policiesChecked Oct 19 Home

Is Tailrow leaving Florida? No. It opened in February 2025 with about 14,000 Citizens policies. It was approved for 25,000 more in October 2025. Demotech affirmed its A rating on September 17, 2026. As of Oct 19, 2026. Source: tailrow.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

33,469

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

NAIC shows no confirmed complaints in 2025.

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

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What's changed recently

  1. Demotech affirms the A rating

    Demotech's page on Tailrow shows its Financial Stability Rating. The rating is A, Exceptional. It was affirmed on September 17, 2026.

  2. OIR approves up to 25,000 more Citizens policies

    OIR's 2025 takeout summary lists Tailrow as approved on October 21, 2025 to take up to 25,000 Citizens policies. That was 23,000 multi peril and 2,000 wind only. The number actually taken is not in the summary.

  3. Opens with about 14,000 policies from Citizens

    Tailrow officially opened on February 18, 2025 by taking just under 14,000 Citizens policies. That was about $35 million in premium. OIR had approved 20,000. About 18,000 offers went out and 76% accepted.

See every Tailrow update

Rate history

No rate filings tracked yet.

Want your Tailrow 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.

1 years in Florida

In Florida since 2025. Has paid claims through 1 hurricane.

2026 Isaías (2026 , Category 2 at Florida landfall) Isaías Cat 2

Compare Tailrow side by side

Tailrow side by side with State Farm and Universal Property
Tailrow 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 33,469 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 NAIC shows no confirmed complaints in 2025. 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 2025 1934 1997

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  • Slide Taking new policies

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  • American Integrity Taking new policies

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Questions people ask about Tailrow

Is Tailrow the same as Homeowners Choice or TypTap?No.

All three are tied to HCI Group of Tampa, but they are separate insurers. HCI owns Homeowners Choice (NAIC 12944) and TypTap (NAIC 15885) outright. Tailrow Insurance Exchange (NAIC 17706) is a reciprocal owned by its policyholders; HCI sponsors it and runs it as attorney in fact but holds no equity. Each has its own policies, phones and rating.

Source: HCI Group FY2025 10-K; tailrow.com FAQ read 2026-10-10; Demotech company pages

Is Tailrow leaving Florida?No.

Tailrow opened in February 2025 by taking just under 14,000 Citizens policies. OIR approved it for up to 25,000 more on October 21, 2025. As of October 10, 2026 its site posts no new business hold. Demotech affirmed its A rating on September 17, 2026.

Source: tailrow.com read 2026-10-10; OIR 2025 takeout summary; Demotech company page

What is the Tailrow claims phone number?To report a new claim call (844) 954-1110 or email [email protected].

Tailrow says claims reporting is open 24/7. For a claim already filed, call (855) 464-1130 or email [email protected]. Policyholders can also manage claims through the portal at policy.tailrow.com.

Source: Tailrow claims page, read 2026-10-10

Who owns Tailrow?Its policyholders.

Tailrow is a reciprocal exchange. The people it insures, called subscribers, own it together. HCI Group, Inc. sponsored it and runs it as attorney in fact. HCI is a Tampa company traded on the NYSE under HCI. It holds no equity in Tailrow. Its exposure is limited to surplus notes it provided.

Source: tailrow.com FAQ read 2026-10-10; HCI Group FY2025 10-K

Is Tailrow admitted in Florida?Yes.

Tailrow Insurance Exchange calls itself an admitted insurer. OIR approved its permit in April 2023. The permit was for an authorized Florida domestic insurer. OIR also lists it as an approved Citizens takeout firm. Its NAIC code is 17706. As an admitted carrier, it is a member of the Florida Insurance Guaranty Association.

Source: tailrow.com read 2026-10-10; Reinsurance News 2/25/2025; OIR 2025 takeout summary

Does Tailrow sell new policies in Florida?Yes.

Tailrow sells HO3 homeowners policies in Florida. They include seasonal and second homes, with limits up to $1.2 million. Most of its policies so far came from Citizens. As of October 10, 2026 its site posts no hold on new business.

Source: tailrow.com homepage read 2026-10-10

Still deciding? Let us shop your Tailrow 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.

Tailrow reviews and complaints: what the public data shows

Tailrow rating

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

Complaints
NAIC shows no confirmed complaints in 2025. NAIC, 2025, nationwide, homeowners. As of Oct 16, 2026.
Years in Florida
Since 2025 (1 years)
Regulatory actions
Not available

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