Insurance companies leaving Florida

Insurance companies leaving Florida, as of Oct 19, 2026: 8 companies have stopped new policies or are leaving a line. Since 2019, 11 insurers that sold here have failed.

Each company below shows what it stopped, since when, the day we checked and the source. We check every Monday, and every 4 hours while a storm is near.

By , updated

Stopped new policies in Florida

These companies take no new policies in Florida, at least in one line. Most still serve the policies they have.

Leaving a line or winding down

These companies still sell in Florida. But they dropped a line, sell it another way, or are slowly closing it down.

Failed (in liquidation)

A court ordered these companies closed. They can't pay claims anymore, so FIGA pays the covered ones. The newest is first.

Source: Florida CFO, Companies in Liquidation, read Oct 20, 2026.

Some companies are only stricter, like with roof age or homes near the coast. They are not on this list. Their rules are on each company's own page.

What to do if your company failed

FIGA is the Florida Insurance Guaranty Association. The state set it up as a safety net. When a licensed home, auto or business insurer fails, FIGA takes over its covered claims. It also refunds premium you paid for time left on the policy. Source: FIGA, figafacts.com, read Oct 20, 2026.

Florida law sets what FIGA pays. It pays the part of each covered claim that is under $300,000. A home policy gets up to $200,000 more for damage to the house and what is in it. Source: Florida Statutes, s. 631.57(1)(a), 2026, read Oct 20, 2026.

For condo and HOA claims on homes, FIGA pays the part under $200,000 times the number of units. Source: Florida Statutes, s. 631.57(1)(a), 2026, read Oct 20, 2026.

Losses are covered for 30 days after a court rules the company is out of money. Coverage ends sooner if your policy ends first or you replace it. So get a new policy right away. Source: Florida Statutes, s. 631.57(1)(a), 2026, read Oct 20, 2026.

People insured by surplus lines companies do not get this help. State law says so. Source: Florida Statutes, s. 626.924, 2026, read Oct 20, 2026.

Send your claim to FIGA, not to the old company. Each company has its own claim deadline. Check its page with the state before you file. Source: Florida CFO, Companies in Liquidation, read Oct 20, 2026.

Your company failed or stopped renewing? A licensed, independent Florida insurance agent can shop it today. It is free.

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Questions people ask about insurance companies leaving Florida

Which insurance companies are leaving Florida?As of Oct 19, 2026, Farmers Insurance, Kemper, The Hartford and Travelers have stopped new policies in Florida, at least in one line.

American National, Nationwide, QBE and TypTap are leaving a line or winding down. Each one has its own page on this site.

Source: Our status checks of Oct 19, 2026. Each company's source is in the list above.

Is Citizens leaving Florida?No.

As of Oct 19, 2026, Citizens is taking new policies. It is getting smaller on purpose. By law, it must move policies to private companies when it can.

Source: Citizens, Depopulation, and our status check of Oct 19, 2026

What happens if my insurance company goes out of business in Florida?FIGA takes over its covered claims.

FIGA is the Florida Insurance Guaranty Association. It also pays back premium you paid for time left on the policy. Send your claim to FIGA, not to the old company.

Source: FIGA, figafacts.com, read Oct 20, 2026

How much does FIGA pay?FIGA pays the part of each covered claim that is under $300,000.

A home policy gets up to $200,000 more for the house and what is in it. Condo and HOA claims on homes have their own cap, based on the number of units.

Source: Florida Statutes, s. 631.57(1)(a), 2026, read Oct 20, 2026