Florida insurance market
Top carriers writing residential and condominium lines in Florida, with market share. Share is computed within this state and line from filed market data.
| # | Carrier | Policies in force | Premium written | Market share |
|---|---|---|---|---|
| 1 | CITIZENS PROP INS CORP | – | $1.8B | 37.7% |
| 2 | AMERICAN COASTAL INS CORP GRP | – | $642.7M | 13.7% |
| 3 | ASSURANT INC GRP | – | $430M | 9.2% |
| 4 | ZURICH INS GRP | – | $357.2M | 7.6% |
| 5 | BERKSHIRE HATHAWAY GRP | – | $345.5M | 7.4% |
| 6 | MS & AD INS GRP | – | $303.5M | 6.5% |
| 7 | QBE INS GRP | – | $250.6M | 5.4% |
| 8 | CHUBB LTD GRP | – | $224.2M | 4.8% |
| 9 | TOWER HILL INS GRP | – | $191.7M | 4.1% |
| 10 | AMERICAN INTEGRITY INS CO | – | $170.2M | 3.6% |
- 1.CITIZENS PROP INS CORP
- Policies
- –
- Premium
- $1.8B
37.7% - 2.AMERICAN COASTAL INS CORP GRP
- Policies
- –
- Premium
- $642.7M
13.7% - 3.ASSURANT INC GRP
- Policies
- –
- Premium
- $430M
9.2% - 4.ZURICH INS GRP
- Policies
- –
- Premium
- $357.2M
7.6% - 5.BERKSHIRE HATHAWAY GRP
- Policies
- –
- Premium
- $345.5M
7.4% - 6.MS & AD INS GRP
- Policies
- –
- Premium
- $303.5M
6.5% - 7.QBE INS GRP
- Policies
- –
- Premium
- $250.6M
5.4% - 8.CHUBB LTD GRP
- Policies
- –
- Premium
- $224.2M
4.8% - 9.TOWER HILL INS GRP
- Policies
- –
- Premium
- $191.7M
4.1% - 10.AMERICAN INTEGRITY INS CO
- Policies
- –
- Premium
- $170.2M
3.6%
Residual market
Residual market
Insurer-of-last-resort exposure: the coverage carriers declined.
- Policies
- 1,321,953
- Exposure
- $385.8B
- Premium written
- $4.6B
Plans: FAIR / beach-plan stats (III · PIPSO) · as of 2024-12-31
Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
Cost by ZIP
What homeowners insurance costs is filed at the ZIP level, not the state level. Enter a Florida ZIP to see the average premium per policy, the loss ratio, the nonrenewal rate, and how premiums moved over the filed window.
ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
Carrier presence by county
Drill into the OIR QUASR county cut. Pick a county:
Carrier-health watch
matching “Florida”- Florida Specialty Insurance CompanyFLLiquidation2019-10-02Open
- Intercontinental Marine Service Corporation d/b/a First Warranty Group of FloridaFLLiquidation2009-12-18Closed
- FLORIDA SELECT INSURANCE COMPANY IN RECEIVERSHIPFLRehabilitation2006-06-30Closed
- Florida Preferred Property Insurance CompanyFLLiquidation2006-06-01Closed
- FLORIDA PREFERRED MUTUAL INSURANCE COMPANYFLLiquidation2004-06-04Closed
- Florida Workers Compensation FundFLLiquidation1999-05-13Closed
- CASUALTY INSURANCE COMPANY OF FLORIDAFLLiquidation1997-02-27Closed
- Florida Employers Safety Association Self Insurers FundFLLiquidation1996-10-22Closed
- THE INSURANCE COMPANY OF FLORIDAFLLiquidation1992-12-29Closed
- FLORIDA FIRE & CASUALTY INSURANCE COMPANYFLLiquidation1992-09-21Closed
Receivership status is from NAIC GRID and state insolvency lists. We show the proceeding type and date as filed — this is a public record, not a judgment about a carrier's financial strength.
Rate filings before the regulator
FL OIR rate-filing index
Property and condo rate filings carriers brought to the Florida Office of Insurance Regulation, on the lines that matter to associations: homeowners and HO-6, commercial residential master policies, packages, flood, wind only, and directors and officers. A filing usually lands here months before policyholders see the change, so this is the earliest public read on where a carrier is headed.
Last 12 months
756
Filings
287
Approved
53
Withdrawn
155
Open
10
Disapproved
| Filed | Company | Line | Final action | Effective (new) |
|---|---|---|---|---|
| Jun 9, 2026 | Castle Key Insurance Company File log 26-029880 | Homeowners | Open | Dec 30, 2026 |
| Jun 9, 2026 | Loggerhead Reciprocal Interinsurance Exchange File log 26-029803 | Property | Open | Oct 1, 2026 |
| Jun 8, 2026 | One Alliance North America Insurance Company File log 26-029614 | Package (businessowners) | Open | Sep 30, 2026 |
| Jun 5, 2026 | Insurance Services Office, Inc (Iso) File log 26-029395 | Property | Open | Feb 1, 2027 |
| Jun 5, 2026 | Insurance Services Office, Inc (Iso) File log 26-029375 | Property | Open | Feb 1, 2027 |
| Jun 5, 2026 | Progressive Express Insurance Company File log 26-029345 | Package (businessowners) | Open | Jun 13, 2026 |
| Jun 5, 2026 | New York Marine And General Insurance Company File log 26-029329 | Package (commercial) | Informational | Jan 1, 2027 |
| Jun 4, 2026 | American Integrity Insurance Company File log 26-029259 | Property | Open | Oct 6, 2026 |
| Jun 4, 2026 | Great American Alliance Insurance Company File log 26-029227 · group filing | Property | Open | Oct 1, 2026 |
| Jun 3, 2026 | American Integrity Insurance Company File log 26-029185 | Homeowners | Open | Jul 15, 2026 |
| Jun 3, 2026 | State Farm Florida Insurance Company File log 26-029108 | Homeowners | Open | Jul 1, 2026 |
| Jun 2, 2026 | Unique Insurance Company File log 26-028976 | Homeowners | Open | Jul 1, 2026 |
Showing the 12 most recent of 12,136 rate filings on these lines.
OIR does not publish requested or approved rate-change percentages for property and casualty filings in its public index; those live in the filing documents. What the index does show, and what appears here, is who filed, on which line, and what OIR decided. Filings before May 2019 come from OIR's legacy index, which never published a final action, so they read “Not published”.
Source: Florida Office of Insurance Regulation, IRFS filing search · filings 2015 to 2026. Public regulator records.
Methodology & sources
This explorer compiles filed and public-record insurance market data. It is a reference surface, not insurance advice. Figures reflect what carriers and regulators have filed, with the vintage shown per source.
- Carrier market shareNAIC 50-state baseline + state DOI reports (latest filed year)
- Carrier market-share is computed within a single state and line from filed market data (NAIC 50-state baseline, state DOI market-share reports, and FL OIR QUASR). Share compares carriers inside one state/line only — it never sums premium across states, so earned-basis and written-basis filings are never mixed.
- Florida county presenceFL OIR QUASR county cut, latest report period
- Florida county carrier presence is the OIR QUASR county cut. Large Florida domestic carriers file their county data as trade secret under §624.4212, Fla. Stat., so they are absent here — the county view is not a complete market.
- Residual marketIII / PIPSO residual-plan stats (FY2024) + state factbooks
- Residual-market exposure aggregates FAIR plans, beach/windstorm pools, and state-run insurers of last resort from Insurance Information Institute (III · PIPSO) stat tables and state factbooks. Exposure and premium are stored in full dollars.
- Carrier-health watchNAIC GRID + state insolvency lists
- Receivership status is from NAIC GRID and state insolvency lists. We show the proceeding type and date as filed — this is a public record, not a judgment about a carrier's financial strength.
- ZIP cost & nonrenewalFIO federal homeowners filings, 2018–2022
- ZIP-level premium, loss, and nonrenewal figures are from the Federal Insurance Office (FIO) homeowners data filings, 2018–2022. Treasury withdrew the dataset; this is a recovered public mirror.
- Utah basis note
- Utah filings report direct premiums earned (not written); its share figures are earned-basis and not directly comparable to written-basis states.
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