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.
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.
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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