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Florida and coastal specialists
- National carriers 13
- Regional carriers 36
- AAA auto clubs 3
- Farm Bureau insurers 11
- Affinity and military insurers 3
- High-net-worth insurers 5
- Florida and coastal specialists 25
- Digital and insurtech insurers 8
- Manufactured home and specialty dwelling insurers 4
- State-backed insurers of last resort 5
- Program carriers and fronting insurers 7
| # | Insurer | Type | Market share (2025) | AM Best |
|---|---|---|---|---|
| 13 | Universal Property & CasualtyFort Lauderdale insurer that is Florida's third-largest home insurance group and also writes in 18 other states through independent agents; Demotech-rated. | Florida and coastal specialists | 1.07% | — |
| 20 | SageSureJersey City MGA that writes catastrophe-exposed homeowners policies for IAT and other carriers, sold through independent agents in coastal states. | Florida and coastal specialists | 0.79% | A- (Excellent) |
| 21 | Florida Peninsula InsuranceBoca Raton group (Florida Peninsula and Edison) that sells only in Florida through independent agents; the state's No. 2 home insurer in 2025, after Citizens. | Florida and coastal specialists | 0.78% | — |
| 25 | Slide InsuranceTampa insurer launched in 2022 that grew on Citizens takeouts and failed carriers' books into Florida's No. 5 home insurer; on Nasdaq (SLDE) since June 2025. | Florida and coastal specialists | 0.66% | — |
| 29 | Frontline InsuranceLake Mary, Florida coastal property insurer selling home, condo and high-value coverage through independent agents in nine Southeast and mid-Atlantic states. | Florida and coastal specialists | 0.62% | — |
| 31 | Homeowners Choice and TypTap (HCI Group)HCI Group's Florida-focused home insurers, Homeowners Choice, TypTap and the Tailrow reciprocal, built largely on Citizens takeouts and rated by Demotech. | Florida and coastal specialists | 0.55% | — |
| 32 | Tower Hill InsuranceFamily-controlled Florida homeowners specialist since 1972; Florida policies sit in the policyholder-owned Tower Hill Insurance Exchange, sold through agents. | Florida and coastal specialists | 0.54% | — |
| 33 | Heritage InsuranceTampa-based public insurer that grew out of Citizens takeouts and now writes homes in 16 states through Heritage P&C, Narragansett Bay and Hawaii's Zephyr. | Florida and coastal specialists | 0.52% | — |
| 42 | American Integrity InsuranceTampa homeowners insurer founded in 2006 and public on the NYSE since 2025; sold by independent agents in Florida, Georgia and the Carolinas. | Florida and coastal specialists | 0.33% | — |
| 53 | Orion180Melbourne, Florida home insurer founded in 2016 that sells admitted and surplus lines home, FLEX and flood policies through independent agents in 14 states. | Florida and coastal specialists | 0.23% | — |
| 54 | SafePoint InsuranceTampa-area coastal home insurer founded in 2013 and sold through independent agents; 7th-largest in Louisiana, writing Florida via its Manatee reciprocal. | Florida and coastal specialists | 0.22% | — |
| 56 | Monarch National InsuranceTallahassee-based Florida homeowners insurer spun out of FedNat in 2022, now owned by Hale Partnership funds and sold through independent agents; Demotech A. | Florida and coastal specialists | 0.22% | — |
| 60 | Olympus InsuranceJacksonville-based Florida-only home insurer founded in 2007 and sold through independent agents; managed by SageSure and owned by Valence since January 2026. | Florida and coastal specialists | 0.20% | — |
| 64 | Southern Oak InsurancePrivately held Florida-only home insurer founded in 2004 near Jacksonville, sold through independent agents; Demotech A-rated, frequent Citizens takeouts. | Florida and coastal specialists | 0.18% | — |
| 65 | Security First InsuranceOrmond Beach, Florida home insurer led by former state senator Locke Burt, selling HO-5, HO-3, condo, renters and landlord policies directly and through agents. | Florida and coastal specialists | 0.18% | — |
| 66 | Safe Harbor Insurance CompanyFlorida-domiciled coastal homeowners carrier founded in 2006, administered by Cabrillo Coastal and part of the Ocean Harbor group, which also owns Hawaii's HIG. | Florida and coastal specialists | 0.17% | — |
| 80 | Allied Trust InsuranceCoastal homeowners insurer founded in 2015 and managed from Tampa that sells through independent agents in Louisiana, Texas, North Carolina and South Carolina. | Florida and coastal specialists | 0.13% | — |
| 82 | GeoVera InsuranceFairfield, California catastrophe specialist known for residential earthquake insurance; its carriers, including SafePort, now write through SageSure. | Florida and coastal specialists | 0.12% | A (Excellent) |
| 83 | Auros and Interboro (SageSure carrier partners)Two Demotech-rated SageSure carriers: Auros, a policyholder-owned reciprocal in Louisiana, Mississippi and Texas, and Interboro, a century-old New York insurer. | Florida and coastal specialists | 0.12% | — |
| 84 | People's Trust InsuranceFamily-owned Florida insurer founded in 2008 that sells homeowners policies online, by phone and via agents and repairs many claims with its own contractor. | Florida and coastal specialists | 0.12% | — |
| 90 | Cypress Property & CasualtyJacksonville, Demotech-rated insurer selling homeowners, condo and rental policies through agents in Florida and Texas, with a deductible installment plan. | Florida and coastal specialists | 0.11% | — |
| 92 | American Traditions InsurancePinellas Park, Florida insurer founded in 2006 for manufactured homes, now also writing homeowners and condo policies through independent agents; Demotech A. | Florida and coastal specialists | 0.11% | — |
| 95 | US Coastal Insurance (Cabrillo Coastal)Two coastal homeowners insurers, one in New York and one in Florida (also writing in California), run by Cabrillo Coastal and sold through agents; Demotech A. | Florida and coastal specialists | 0.10% | — |
| 99 | Loggerhead Reciprocal Interinsurance ExchangeTampa-based Florida reciprocal launched in 2022 by former AAA executives; it grew mainly by offering replacement policies to Progressive and Bankers customers. | Florida and coastal specialists | 0.09% | — |
| — | SURE and Elevate (SageSure reciprocals)Two policyholder-owned Texas reciprocal exchanges that insure coastal homes through SageSure; Elevate is sold only through Goosehead agents. | Florida and coastal specialists | — | — |
Ranked by 2025 U.S. homeowners multiple peril direct premiums written (states and U.S. territories), from the NAIC 2025 Market Share Reports for Property/Casualty Groups and Companies. NAIC groups combine affiliated companies, so a group may sell under several brand names. Brands listed without a rank are part of a larger group or outside the top 100.