Find the carrier that actually wants your home.
Florida has 18+ admitted home insurance carriers in our directory — but your agent likely only quotes the handful they’re appointed with. Search every carrier by roof age, plumbing, year built, and more.
The Gap
Most Florida homeowners never see the whole market. An agent can only quote the handful of carriers they’re appointed with, so a single “no” can feel like the final word — even when other carriers would write the same home without hesitation. This site exists to close that gap: every carrier profile here is built from published underwriting guidance, not marketing copy.
Featured Carriers
Explore information on top Florida home insurance carriers.
Guides
Tools
Compare Carriers
Put up to 3 carriers side-by-side on price, coverage, and eligibility fit.
Check Your Eligibility
Answer a few questions about your home and see which carriers are likely to write it.
PILLAR GUIDE
Everything About Citizens Property Insurance
How Citizens works as Florida’s insurer of last resort, eligibility requirements, the depopulation and takeout process, and the 20% rule that determines whether you can be required to leave Citizens for a private carrier.
Four Steps To A Better-Informed Quote
1
Tell us about your home
Roof age, year built, plumbing, electrical, and a few other basics — takes under a minute.
2
We check every carrier
Screened against each carrier’s own published underwriting guidance, not guesswork or a sales pitch.
3
See which carriers fit
Results show the actual guidance behind each match, with sources — never a black box.
4
Connect with the right agent
Reach a carrier directly, or get matched with an agent already appointed to write with them.
Represent one of our carriers?
If you’re an appointed agent for a carrier listed in this directory, reach out. We regularly hear from homeowners specifically looking for someone who carries a particular company — we’ll connect you directly.
Why Homeowners Use This Site
This is an independent research directory for Florida homeowners insurance. We’re not an agency and we don’t sell policies — we publish what each carrier’s own underwriting guidance says about roof age, home age, plumbing, and claims history.
It lets you walk into a quote conversation already knowing which carriers are likely to consider your home, instead of finding out after a declined application.
Florida homeowners shopping for coverage, anyone nonrenewed or canceled, Citizens policyholders evaluating a takeout offer, and homeowners near a mortgage escrow review.
Most agents are only appointed with a fraction of the carriers writing in Florida. Researching here first means you know which carriers are worth asking about.
You skip repeat applications to carriers that were never going to write your home, and you can spot when a “cheaper” quote isn’t actually cheaper once escrow is factored in.