Florida Property & Casualty Insurance Companies List

Looking for a list of property and casualty insurance companies authorized to do business in Florida? This page provides a Florida insurance company resource for homeowners, business owners, property managers, condominium associations, and policyholders researching insurance carriers in the state.

The Florida Office of Insurance Regulation provides an official Active Search where consumers can verify company names, addresses, identifying information, and whether an insurance company is authorized to do business in Florida.

If you are comparing insurance companies, changing carriers, buying a new policy, or dealing with a denied, delayed, or underpaid claim, it is important to understand more than just the price of the policy. You should also understand the coverage, exclusions, endorsements, deductibles, water damage limits, mold limits, appraisal language, option-to-repair language, and law and ordinance coverage.

If you already have property damage and need help with an insurance claim, call 888-881-8416 or request a free claim review.

Florida Insurance Companies and Property Claims

Florida homeowners and business owners often search for insurance companies when they are buying a policy, switching carriers, verifying coverage, or trying to figure out who to contact after a loss. The list below includes property and casualty insurance companies connected to Florida insurance records.

Before choosing or renewing a policy, ask your insurance agent to explain the most important claim-related language in writing. A low premium may not mean strong coverage when you actually suffer a water, fire, hurricane, roof, mold, theft, vandalism, or commercial property loss.

Important Policy Questions to Ask Before Buying or Renewing Coverage

Does the policy include an appraisal clause?
Can either party invoke appraisal, or do both parties have to agree?
Does the policy include option-to-repair language?
Are there water damage limits or caps?
Is mold coverage limited per claim or per policy period?
Does the policy include law and ordinance coverage?
Are roof, pool enclosure, screen enclosure, or exterior damages limited?
What is the hurricane deductible compared to the all-other-perils deductible?
Are there exclusions or endorsements that reduce coverage?
Does Coverage D include additional living expense or loss of rental income?

Need Help With a Florida Insurance Claim?

Experienced Public Adjusters represents policyholders, not insurance companies. If your claim was underpaid, delayed, denied, or you are unsure whether the insurance company’s estimate is accurate, get a second opinion before accepting the settlement.

We help with:

Call 888-881-8416 or submit a free claim review.

Major Florida Insurance Claim Resources

If your property insurance company has already inspected your loss and you believe the estimate is too low, the next step is not guessing. The next step is documentation. A licensed public adjuster can inspect the damage, review the policy, prepare a proper estimate, and negotiate with the carrier on your behalf.

List of Property & Casualty Insurance Companies in Florida

The table below includes property and casualty insurance company information connected to Florida insurance records. Always verify current licensing, authority, and company status directly with the Florida Office of Insurance Regulation before relying on any insurance company information.