Trident Insurance
Trident is a Lake Mary reciprocal exchange owned by its members, licensed in Florida in August 2024. Demotech rates it A. It sells only home policies here.
You can find it on our list of Florida home insurance companies. Its Florida company code is 97330 and its NAIC number is 17678.
Taking new policiesChecked Oct 19 Home
Is Trident leaving Florida? No. It is a Florida only insurer licensed in August 2024, with 23,529 Florida home policies on July 31, 2026 and no stop notice on Oct 10, 2026. As of Oct 19, 2026. Source: tridentreciprocal.com.
New policies
Taking new policies
As of Oct 19, 2026
Policies in force
23,529
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
Near you
Can I get a policy?
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What's changed recently
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Citizens moves commercial policies to Trident on Nov 25, 2025
Citizens lists the firms that took its commercial policies on November 25, 2025. Trident is one of them. The others are American Integrity, Mainsail, Manatee and Slide.
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KBRA assigns BBB financial strength rating
KBRA gave Trident Reciprocal Exchange an insurance financial strength rating. The Insurer said it was a BBB. That was for the new Florida reciprocal.
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OIR approves Trident as a new insurer in Florida
OIR approved Trident Reciprocal Exchange. It is the ninth new property insurer to enter Florida since the reforms. OIR's August 12, 2024 market release lines up with the approval news.
Rate history
No rate filings tracked yet.
2 years in Florida
In Florida since 2024. Has paid claims through 3 hurricanes.
Compare Trident side by side
| Trident | 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 | 23,529 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 | 2024 | 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 Trident
Is Trident leaving Florida?No.
Trident Reciprocal Exchange is a Florida company. OIR approved it in 2024. It was the ninth new property insurer since the state's insurance reforms. OIR's market report shows 23,529 Trident personal policies in force on July 31, 2026. Citizens also moved commercial policies to Trident on November 25, 2025.
Is Trident a good company?Public data only: Demotech rates Trident A (Exceptional), affirmed Sept 17, 2026.
KBRA also assigned it a rating in 2024. Trident has been licensed in Florida only since August 2024, so its track record is short.
Who owns Trident?Trident is a reciprocal exchange, so its policyholders are its members and it has no stockholders.
A reciprocal is run day to day by a manager called an attorney in fact. Trident's attorney in fact and backers are not named in the public sources checked so far. Ryan Hodges has been named its CEO.
Source: Reinsurance News, Ryan Hodges named CEO of Trident Reciprocal Exchange
Is Trident admitted in Florida?Yes.
OIR lists Trident Reciprocal Exchange with a Florida certificate of authority. It was first licensed Aug 21, 2024. Its NAIC number is 17678 and its OIR code is 97330. Admitted home insurers are covered by the Florida Insurance Guaranty Association.
Is Trident the same as Citizens?No.
Citizens is Florida's state backed insurer. Trident is a private reciprocal exchange. Citizens lists Trident as one of the firms that took over its commercial policies. That was on November 25, 2025. If you got a Trident offer, it came through that Citizens takeout process.
Source: Citizens depopulation resources page, read Oct 9, 2026
What is the Trident claims phone number?Call Trident's claims team at 877-368-9144, the same number as its main line.
You can also report a claim online in the member portal or email [email protected].
Trident reviews and complaints: what the public data shows
Trident rating
- Complaints
- NAIC shows no confirmed complaints in 2025. 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.