Florida
Who insures Florida homes: insurers month by month At the end of July 2026, companies in the regulator's statewide report listed 4,200,810 owner-occupied homeowners policies in force, compared with 4,178,788 a year earlier. Citizens Property Insurance Corporation, the state-created insurer of last resort, held 275,672 residential policies of all types (personal and commercial residential combined), down from 777,763 in July 2025, according to the Office of Insurance Regulation's monthly reports.
Jan 25: 936,060 936,060 Jan 25 Feb 25: 842,532 Mar 25: 836,471 Apr 25: 805,059 Apr 25 May 25: 814,206 Jun 25: 774,814 Jul 25: 777,763 Jul 25 Aug 25: 767,351 Sep 25: 764,883 Oct 25: 564,571 Oct 25 Nov 25: 433,678 Dec 25: 391,994 Jan 26: 389,631 Jan 26 Feb 26: 333,407 Mar 26: 319,046 Apr 26: 292,079 Apr 26 May 26: 291,045 Jun 26: 275,642 Jul 26: 275,672 275,672 Jul 26 Citizens Property Insurance Corporation: residential policies in force of all types, end of each month (OIR Market Intelligence Report)
Insurers with 1,000 or more owner-occupied homeowners policies, July 2026 # Company In force July 2026 In force July 2025 New in July Nonrenewed in July 1 State Farm Florida Insurance Company 396,393 395,713 2,639 426 2 Slide Insurance Company 365,510 290,475 871 9 3 American Integrity Insurance Company 287,674 244,415 9,042 84 4 First Protective Insurance Company 252,838 208,713 4,870 326 5 Universal Property & Casualty Insurance Company 236,100 235,816 3,825 1,027 6 Tower Hill Insurance Exchange 231,469 224,696 4,494 216 7 Florida Peninsula Insurance Company 149,171 144,085 2,290 288 8 Edison Insurance Company 121,950 120,871 1,855 154 9 Kin Interinsurance Network 107,878 98,724 2,548 668 10 Southern Oak Insurance Company 107,304 116,215 540 1,073 11 United Services Automobile Association 104,968 106,174 844 45 12 Manatee Insurance Exchange 102,342 81,872 325 56 13 Monarch National Insurance Company 97,007 100,326 547 1,383 14 Heritage Property & Casualty Insurance Company 85,808 88,611 755 365 15 Homeowners Choice Property & Casualty Insurance Company, Inc. 82,258 80,402 27 192 16 Security First Insurance Company 81,353 72,360 1,568 183 17 Ovation Home Insurance Exchange 76,455 42,232 2,913 18 18 Auto Club Insurance Company of Florida 75,011 74,996 938 425 19 People's Trust Insurance Company 74,130 64,495 3,112 636 20 Typtap Insurance Company 72,304 73,121 61 259 21 Olympus Insurance Company 65,349 67,830 933 24 22 Loggerhead Reciprocal Interinsurance Exchange 61,036 60,284 824 577 23 American Strategic Insurance Corp. 59,597 73,495 115 151 24 Florida Farm Bureau Casualty Insurance Company 53,633 50,318 436 0 25 Cypress Property & Casualty Insurance Company 47,095 39,936 1,364 519 26 Mangrove Property Insurance Company 46,700 39,124 0 757 27 Usaa Casualty Insurance Company 45,843 46,283 379 21 28 American Traditions Insurance Company 45,537 35,584 1,628 58 29 Castle Key Indemnity Company 38,891 46,877 2 11 30 Usaa General Indemnity Company 35,630 35,933 430 45 31 Asi Preferred Insurance Corp. 35,270 56,320 0 457 32 Patriot Select Property and Casualty Insurance Company 34,982 11,778 2,350 0 33 Citizens Property Insurance Corporation 33,969 324,911 2,174 394 34 Trusted Resource Underwriters Exchange 33,187 19,755 2,156 115 35 Spinnaker Insurance Company 33,121 30,942 1,130 165 36 Tailrow Insurance Exchange 31,900 13,772 80 103 37 Safe Harbor Insurance Company 29,242 24,983 690 230 38 Vyrd Insurance Company 28,588 26,560 984 0 39 Castle Key Insurance Company 27,278 29,403 4 10 40 Orange Insurance Exchange 27,083 23,841 617 453 41 Trident Reciprocal Exchange 23,529 15,408 2,270 80 42 Us Coastal Property & Casualty Insurance Company 22,923 16,663 892 227 43 Florida Family Insurance Company 21,367 22,741 77 13 44 Homesite Insurance Company 21,091 19,973 453 18 45 Florida Family Home Insurance Company 18,525 20,964 58 14 46 Federal Insurance Company 18,189 18,592 135 40 47 One Alliance North America Insurance Company 13,474 14,143 272 271 48 Garrison Property and Casualty Insurance Company 13,473 13,126 169 6 49 Praxis Reciprocal Exchange 13,077 Not listed 20 16 50 Liberty Mutual Fire Insurance Company 12,164 12,216 3 3 51 Amica Mutual Insurance Company 10,752 11,339 37 2 52 Nationwide Mutual Insurance Company 9,443 12,728 9 0 53 Apex Star Reciprocal Exchange 9,062 2 142 12 54 Nationwide Property and Casualty Insurance Company 8,173 10,044 16 0 55 First Floridian Auto and Home Insurance Company 7,566 8,419 2 8 56 Privilege Underwriters Reciprocal Exchange 7,164 7,147 97 1 57 First Liberty Insurance Corporation (the) 5,710 5,736 2 5 58 American Platinum Property and Casualty Insurance Company 5,532 5,431 116 30 59 Stillwater Property and Casualty Insurance Company 4,870 5,299 6 0 60 Hartford Insurance Company of the Midwest 4,603 5,511 0 4 61 Condo Owners Reciprocal Exchange 4,522 Not listed 2,222 2 62 Florida Farm Bureau General Insurance Company 3,490 6,762 0 1 63 Centauri Specialty Insurance Company 3,231 4,354 0 1 64 Farmers Casualty Insurance Company 2,668 2,952 0 0 65 Aig Property Casualty Company 2,355 3,206 138 219 66 Ace Insurance Company of the Midwest 2,193 2,433 0 10 67 Southern-owners Insurance Company 2,193 2,484 1 0 68 Asi Select Insurance Corp. 1,133 86 336 0 69 Frontline Insurance Reciprocal Exchange 1,117 Not listed 1,117 0
About these figures. They are the regulator's statewide monthly reports, as filed by each company. The Office of Insurance Regulation lists companies whose data it says is "not included in the Market Intelligence Reports due to being filed Trade Secret", among them State Farm Florida Insurance Company. Those companies, including State Farm Florida, do appear with full figures in the statewide summary files used on this site. The regulator does not say which reports or figures the exclusion applies to. It also states that the data "is not audited by the Florida Office of Insurance Regulation".
Sources Florida Office of Insurance Regulation, Residential market share reports: Monthly Market Intelligence Report, statewide summary by company and policy type Checked 29 October 2026. Figures are reproduced as published and are not adjusted.