Worst Homeowners Insurance Companies in Florida to Avoid and the Best

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worst homeowners insurance companies in florida

Worst homeowners insurance companies in Florida you must avoid. These insurance companies are known to provide poor customer service, have high rates, and deny claims.

Worst Homeowners Insurance Companies in Florida

There are many different homeowners insurance companies in Florida, and it can be difficult to determine which one is the best for you. However, there are a few that stand out as being the worst in the state.

These companies have been known to provide poor customer service, have high rates, and deny claims. If you’re looking for homeowners insurance in Florida, you should avoid these companies.

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worst homeowners insurance companies in florida

If you’re looking for the worst homeowners insurance companies in Florida, then you’ll want to avoid these homeowners insurance companies:

  • Torchmark
  • Geico
  • Progressive
  • Liberty Mutual
  • Service Plus
  • Farmers
  • Anthem

 

Best Homeowners Insurance Companies in Florida

Universal Property & Casualty Ins. Co.

Universal Property & Casualty Ins. Co. is one of the largest insurance companies in Florida, with more than $2 billion in premiums and hundreds of employees.

The agency offers a wide range of home insurance products, including homeowners, renters and flood insurance, as well as auto and business insurance.

Universal has a network of agents throughout Florida who can help you find the best coverage for your needs. Each agent is licensed to sell property and casualty policies, including auto and home insurance coverage.

Universal also offers additional services like a free quotes service that allows customers to compare rates from multiple companies in one place, as well as free 24/7 access to our claims team via email or phone for claims assistance or questions about policy terms and conditions.

Tower Hill Ins. Co.

Tower Hill Insurance is a full-service property and casualty insurance agency specializing in the needs of the homeowner, small business owner, or investor. They provide personalized attention to their clients as well as a wide range of coverage options, to help you find the right policy at the right price.

With more than 30 years in business, they have seen it all. From hurricanes to tornadoes, Tower Hill Insurance has been there for you when disaster strikes and your home is no longer standing. Their agents are dedicated to helping you protect your assets with quality coverage that fits your needs.

They offer many different types of insurance policies from auto to agricultural and everything in between. They’ll work with you to get the best policy you need.

Their goal is to make sure you have protection against any loss that may occur during an accident or other occurrence that could result in damage or destruction of your property or possessions.

homeowners insurance company in florida

Citizens Property Insurance Corp.

Citizens Property Insurance Corp. (CPI) is a Florida-based insurance company that provides homeowners insurance and other property insurance coverage to residential and commercial customers in Florida.

CPI was established in 1993 as an independent agency of the state government to provide a single, government-backed insurance program for homeowners, renters and businesses in Florida.

CPI has more than 1 million policies in force across the state and offers many different types of coverage, including:

  • Homeowners Insurance: Coverage for your home including structure, contents and personal liability protection
  • Personal Auto: Includes coverage for cars, trucks and motorcycles
  • Business Auto: Provides coverage for vehicles used in your business

In addition to its insurance products, CPI offers additional benefits such as flood mitigation services and discounts on auto loans through National City Corporation Bank (NCB).

Florida Farm Bureau Ins. Co.

Based in Fort Myers, FL, Florida Farm Bureau Insurance Co. offers homeowners insurance to residents of Florida and other states as well as auto insurance and life insurance.

Founded in 1895, the company offers home and auto insurance through its Affinity division, which it acquired in 2012 from American Family Mutual Insurance Co., and through its Florida Division of American Family Mutual Insurance Co., which was founded in 1886.

The company also provides a variety of other services including flood coverage, fire protection, catastrophe liability coverage and more.

The company is licensed to write property-casualty insurance in 49 states, including Florida where its headquarters are located.

In addition to providing coverage for homes and autos, it also offers business insurance to cover all types of businesses in every state where it is licensed to write business insurance as well as commercial operations that involve food service establishments or high-risk industries such as oil or chemical processing facilities or nuclear power plants

Florida Peninsula Ins. Co.

Florida Peninsula Ins. Co. is a subsidiary of Nationwide Mutual Insurance Company, which is one of the largest insurance companies in the country.

The company has been around since 1865 and has over $25 billion in assets under management. It provides insurance for homes, autos, business owners and more.

Florida Peninsula is one of the most popular homeowners insurance companies in Florida because of its reputation for providing quality coverage at affordable rates.

It’s also known for being able to provide coverage for any type of property regardless of whether it’s owned by a homeowner or rented out to tenants.

Ameristar Specialty Insurance Corp.

Ameristar Specialty Insurance Corp. is a top-rated home insurance provider with over one million customers across the country. Ameristar’s customers have a history of being satisfied with their coverage, although they do not have the best satisfaction rating in Florida.

Ameristar Specialty Insurance Corp. offers homeowners insurance policies in Florida, Georgia and Texas. The company was founded in 1998 as a subsidiary of Ameri-Lite Insurance Group, which is headquartered in Rockford, Illinois.

The company does not offer flood insurance or real estate coverage for its customers who reside in those states. Customers can purchase additional coverages from Ameristar such as earthquake coverage or commercial property coverages at an additional cost to their homeowners insurance policy premiums.

People’s Trust Ins. Co.

People’s Trust Insurance Company is a Florida-based insurance provider with a history of providing quality insurance products, including home, car and life insurance to many people in the Sunshine State. The company has also grown to be one of the most trusted names in their industry for over a century.

The company was founded in 1903 by Frederick H. Dickson, who was a successful businessman who had been dealing with insurance companies for decades prior to starting People’s Trust. The business started out as a general agency, but soon evolved into one that specialized in providing homeowners coverage.

People’s Trust Insurance Company has been operating since 1903 and is currently licensed to write business in Florida, Georgia, Alabama and Tennessee. In addition, the company is approved by the Department of Defense for military service members and their families.

The company offers several different types of policies including whole life, term life, universal life and variable universal life insurance policies as well as annuities. The company also offers disability income policies that allow you to receive income if you are unable to work due to an injury or illness.

NB: Choose your homeowners insurance company carefully before buying a policy in Florida

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How to choose the best homeowners insurance company

There are many factors to consider when choosing a homeowners insurance company in Florida. Some of the most important factors include the company’s financial stability, the coverages they offer, and their customer service.

It’s important to choose a company that is financially stable, as they will be more likely to pay out on claims. You should also make sure that the company offers the coverages you need, such as wind damage and hurricane coverage.

And finally, you’ll want to choose a company with good customer service, in case you ever need to file a claim.

As a Florida homeowner, you know that having the right homeowners insurance company is essential. You need a company that will be there for you when you need them, whether it’s for a small claim or a large one.

With so many companies to choose from, it can be tough to know which one is the best for you.

Here are a few tips on how to choose the best homeowners insurance company in Florida:

  • Make sure the company is licensed to operate in Florida.
  • Check the company’s financial stability. You want to make sure they will be able to pay out claims if you need to make one.
  • Read reviews of the company. See what other Florida homeowners have to say about them.
  • Get quotes from several companies. Be sure to compare apples to apples when you do.

By considering all of these factors, you can be sure to choose the best homeowners insurance company for your needs.

References:

South Florida Injury Law Firm

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