TypTap Insurance

TypTap is HCI Group's tech brand home insurer, licensed in Florida in 2016. It sells home policies in Florida and 12 other states. Florida flood ended in 2023.

You can find it on our list of Florida home insurance companies. Its Florida company code is 28565 and its NAIC number is 15885.

Taking new policiesChecked Oct 19 Home

Is TypTap leaving Florida? No. Its site lists Florida as an active home state as of October 9, 2026, and Demotech affirmed its A rating on September 17, 2026. It stopped selling Florida flood in January 2023. As of Oct 19, 2026. Source: typtap.com.

By , updated

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New policies

Taking new policies

As of Oct 19, 2026

Policies in force

72,305

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

0.49

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 TypTap renewal go up?

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What's changed recently

  1. Demotech affirms its A rating

    Demotech's page for the company shows a Financial Stability Rating of A. That grade is called Exceptional. It was affirmed on September 17, 2026.

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

    OIR's 2025 takeout summary lists TypTap as approved on October 21, 2025. It could take up to 25,000 Citizens multi peril policies. The number it actually took is not in the summary.

  3. OIR issues a market conduct exam report on the hurricane claims

    OIR did its first targeted market conduct exam of TypTap. It looked at Hurricane Ian and Idalia claims. It found claims acknowledged late, missing estimate disclosures and some late payments. The report states no fine.

  4. Takes on about 20,000 Citizens policies

    TypTap took on about 20,000 policies from Citizens. This was part of an HCI Group takeout of over 42,000 policies and about $200 million in premium. OIR's exam report counts about 20,500 policies, about $84 million.

  5. Stops selling flood in Florida

    OIR's exam report says TypTap stopped selling flood policies in Florida on January 12, 2023. It had launched in 2016 as a standalone admitted flood insurer.

  6. Licensed in Florida as a flood insurer

    TypTap was authorized in Florida on January 15, 2016. It opened March 1, 2016 in Ocala. It sold standalone admitted flood coverage, then added homeowners.

See every TypTap update

Rate history

No rate filings tracked yet.

OIR sample yearly rate for its example home: $1,580 to $9,774 across 67 Florida counties (median $2,698).

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.

Want your TypTap renewal shopped?

A licensed Florida agent shops other companies for you. It is free and takes about 5 minutes.

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10 years in Florida

In Florida since 2016. Has paid claims through 10 hurricanes.

201620182020202220242026 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 TypTap side by side

TypTap side by side with State Farm and Universal Property
TypTap 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 72,305 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 0.49 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, Oct 20, 2026 A- (Excellent) AM Best A Demotech, Oct 7, 2026
In Florida since 2016 1934 1997

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Questions people ask about TypTap

Is TypTap the same as Homeowners Choice?No.

They are two separate Florida insurance companies owned by the same parent, HCI Group, Inc. of Tampa. Homeowners Choice (NAIC 12944) opened in 2007. TypTap Insurance Company (NAIC 15885) opened in 2016 as HCI's technology brand. Each has its own policies, claims lines and Demotech rating.

Source: OIR exam reports for both companies as of 12/31/2023

Is TypTap leaving Florida?No.

As of October 9, 2026 its site lists Florida as an active state for homeowners policies and posts no hold. OIR approved it for up to 25,000 more Citizens policies in October 2025. It did stop selling flood in Florida on January 12, 2023.

Source: typtap.com products page read 2026-10-09; OIR 2025 takeout summary; OIR exam report

What is the TypTap claims phone number?To report a new claim call (844) 289-7968.

TypTap says claims reporting is open 24/7. For a claim already filed, call (888) 475-0213. You can also file online through the claims page at typtap.com.

Source: TypTap claims page, read 2026-10-09

Who owns TypTap?HCI Group, Inc., a Tampa company traded on the NYSE under HCI.

Since July 1, 2024 HCI has owned TypTap Insurance Company directly. Before that it was held through TypTap Insurance Group, now called Exzeo Group, HCI's technology arm.

Source: OIR financial examination report as of 12/31/2023, subsequent events

Is TypTap admitted in Florida?Yes.

TypTap Insurance Company is a Florida domestic insurer. OIR has let it sell since January 15, 2016. Its NAIC code is 15885. It is an admitted carrier. So it is a member of the Florida Insurance Guaranty Association.

Source: OIR financial examination report as of 12/31/2023

Does TypTap sell flood insurance in Florida?Not anymore.

TypTap began in 2016 as a Florida flood insurer. OIR records show it stopped selling flood policies in Florida on January 12, 2023. Its site now lists flood only in eight other states. Homeowners Choice issues those policies. In Florida it sells homeowners coverage.

Source: OIR exam report as of 12/31/2023; typtap.com products page read 2026-10-09

Still deciding? Let us shop your TypTap 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.

TypTap reviews and complaints: what the public data shows

TypTap rating

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

Complaints
0.49 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 2016 (10 years)
Regulatory actions
Not available

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