Top 25 Largest Florida Homeowners Insurance Companies by Policy Count

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By Susan Augustyniak, CIC — Certified Insurance Counselor and Vice President of Augustyniak Insurance Group in Jacksonville, FL. Susan is a University of Florida graduate who spent 10 years at Nationwide Insurance as a commercial underwriter, claims adjuster, large loss adjuster, and district sales manager before building one of Florida's top-rated independent agencies.

List of the 25 Largest Homeowners Insurance Companies in Florida

Updated April 2026

This is the most complete list of homeowners insurance companies in Florida ranked by the number of policies they actually carry. Whether you're looking for a Florida homeowners insurance companies list or just trying to find the largest home insurance companies in the state, this is based on official data from the Florida Office of Insurance Regulation—not advertising, not opinions, not paid placements.

If you're trying to figure out which companies are currently writing homeowners insurance in Florida—and which ones are worth your time—this home insurance companies list is a good place to start. We've also included a 2026 market update below the table, because a lot has changed since this data was collected.

This data reflects owner-occupied homeowners insurance policies only as of September 30, 2024. It does not include condo, renters, or landlord policies. Source: Florida Office of Insurance Regulation

⚠️ Important: Being on this top 25 list doesn't mean a company is currently writing new policies in your area. Some insurance carriers in Florida have pulled back or stopped writing altogether. If you need to know who's actively writing in your ZIP code right now, request a quote or give us a call.

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What's Changed Since This Data Was Published? 

Updated April 2026

This list was compiled from the last publicly available data before most carriers started filing their policy counts as trade secrets. A lot has shifted since then. Here's what we're seeing on the ground.

1. Nationwide Has Re-Entered Florida

One of the more significant recent developments is Nationwide's return to the Florida homeowners insurance market. Unlike many of the new entrants discussed below, Nationwide is a nationally rated carrier with deep financial backing. They're writing competitive home and auto packages, which is worth paying attention to if you're looking to bundle your policies. Our agency is one of a select few participating in an early pilot program with Nationwide in Florida, so we can write these policies now—even though availability is still limited statewide.

2. Citizens Has Shrunk Dramatically

Citizens held 687,502 policies when this data was collected. As of early 2026, that number is roughly 336,000—a drop of more than 50%. At its peak in October 2023, Citizens insured 1.42 million homes. The state's depopulation program transferred over 546,000 policies to private carriers in 2025 alone.

Citizens is now filing for its first rate decrease in a decade—a 2.6% average cut for personal lines. That sounds like good news, but here's what I want you to know: many homeowners who got moved out of Citizens saw their rates go up when the new carrier renewed their policy. If you were part of a depopulation takeout, it's worth having your agent review what you're actually paying now and whether better options exist. 

3. Progressive Pulled Back

Progressive, ranked #8 through its ASI subsidiaries, has been non-renewing homeowners policies across Florida. In our office, we saw many of those displaced policyholders end up with Loggerhead (#23 on this list, with just 47,284 policies at the time). Loggerhead's book has likely grown significantly, but we can't confirm exact numbers because they've filed their data as a trade secret.

4. Slide Grew Fast Through Depopulation

Slide (#4) was approved to assume up to 455,900 Citizens policies in 2025. That kind of growth could make them one of the largest private home insurance companies in Florida—but fast growth through depopulation and long-term stability aren't the same thing. We're watching how they handle claims and renewals as that book matures.

5. The "New" Companies Aren't Always New

You may have heard that 17 new insurance companies have entered Florida since the 2022 legislative reforms. That's technically true, but the story behind many of them is more nuanced than it sounds.

Tailrow Insurance Exchange is the new company from Homeowners Choice (#18 on this list). Ovation Home Insurance Exchange is a sister company to Florida Peninsula (#10). Manatee Insurance Exchange is the reciprocal exchange version of Safepoint—they moved existing policies into that entity. Orange Insurance Exchange is the new exchange company from Cabrillo/Safe Harbor.

These aren't all new competitors bringing fresh capacity. In many cases, they're existing carriers restructuring how they hold policies. There are genuinely new entrants too—Mainsail and Safeport among them—but whether they'll still be here in five years is an open question. Florida has a long history of new companies that don't last.

6. Why This Is the Last Version of This List

The data above comes from the Florida OIR's reporting system, formerly called QUASR and now called the Market Intelligence Report. Out of the 25 companies on this list, 21 have since filed their policy counts as trade secrets. The only ones still reporting publicly are Citizens, Allstate/Castle Key, Monarch National, and Florida Farm Bureau.

That makes this the last comprehensive, publicly sourced list of Florida homeowners insurance companies ranked by policy count. We'll keep updating the market commentary above, but the ranked data itself can't be replicated with newer numbers.

What to Look for Beyond Company Size

A company can write hundreds of thousands of policies and still not be the right fit for your home. When I'm helping a client choose, here's what I tell them to focus on:

• Financial stability. Check whether the company is rated by Demotech or AM Best. These ratings tell you if the insurer can actually pay claims after a major storm—which is the whole point of having insurance.

• Claims handling. Do they use in-house adjusters or outsource everything? How fast do they respond? The answer matters a lot more after a hurricane than it does on the day you buy the policy.

• Underwriting guidelines. Every company has different rules about roof age, home value, coastal ZIP codes, and prior claims. We help you skip the ones that won't write your home so you don't waste time.

Companies We Recommend

What Companies Are Writing Homeowners Insurance in Florida?

As an independent insurance agency, Augustyniak works with many of the insurance companies on this list and others. A few consistently stand out for their financial strength, claims service, and commitment to Florida homeowners:  

• Nationwide – A nationally rated carrier that recently re-entered Florida with competitive home and auto bundles. We're part of a limited pilot program, so we can offer Nationwide quotes before they're widely available across the state.

• AAA – AAA homeowners insurance in Florida comes with in-house adjusters and strong claims support. Their guidelines are selective, but if your home qualifies, they're one of the most stable options in the state.

• Florida Family Insurance – A Florida-based company that has consistently delivered reliable coverage and great service—even during years when other carriers pulled back from the market.

• Tower Hill – Decades of experience in Florida with hands-on claims handling and a deep understanding of what homeowners here actually need.

Every home is different. Part of our job is helping you sort through the options and find the right coverage—not just the cheapest price. If you want to see who's actively writing homeowners insurance in Jacksonville, we put together a local guide for that too.

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❓ Frequently Asked Questions

What is the largest homeowners insurance company in Florida?

When this data was collected in September 2024, Citizens Property Insurance Corporation had the most policies. But Citizens has since dropped to roughly 336,000 policies and is no longer the state's largest insurer. It's a state-run insurer of last resort—most homeowners end up there only when no private company will write their home. This data is no longer available but Slide or Universal P&C definitely are up in Policy Count.

Which companies are writing homeowners insurance in Florida?

Many carriers are actively writing, including AAA, Florida Family, Tower Hill, Nationwide, Slide, and others. But not every company writes in every area. Availability depends on your ZIP code, roof age, home value, and claims history. As an independent agency, we can tell you exactly who's writing in your area right now.

Is Citizens Insurance good?

Citizens is designed as a safety net, not a long-term solution. It comes with limitations on screen enclosure coverage, liability limits, endorsements, and the maximum home value they'll cover (currently $750,000). Many homeowners are placed there because no private company would write their policy. Those policies are often later transferred to private insurers through the state's depopulation program.

Why are so many Florida insurance companies non-renewing policies?

Hurricane exposure, high litigation costs, and expensive reinsurance have caused many carriers to pull back. Several have reduced their footprint or left Florida altogether. On the positive side, legislative reforms enacted in 2022 have since attracted 17 new companies to the market.

What should I look for in a Florida homeowners insurance company?

Financial stability (check Demotech or AM Best ratings), claims reputation, underwriting guidelines, and whether they use in-house adjusters. Working with an independent agency helps you compare options without calling every company yourself.

Does GEICO offer homeowners insurance in Florida?

No. GEICO doesn't underwrite home insurance. They refer customers to third-party companies—many of which have reduced or stopped writing new business in Florida. That's why GEICO doesn't appear on this list.

Can I switch from Citizens to a private company?

Yes. If a private insurer is willing to write your home, you can switch. Florida actively encourages this through its depopulation program. We can help you evaluate whether a private-market option is a better fit.

How do I get quotes from multiple Florida home insurance companies?

You don't have to call every company yourself. As an independent agency, Augustyniak Insurance works with many of the insurers on this list. We compare your options and help you choose the right fit—no pressure.

Why can't I find a more recent version of this list?

Since this data was published, 21 of the 25 companies have filed their policy counts as trade secrets with the Florida OIR. Their numbers are no longer public. That makes this the last comprehensive list of home insurance companies in Florida ranked by policy count from official state data.

Need Help Finding the Right Home Insurance Company?

At Augustyniak Insurance, we represent many of the carriers on this list—and more importantly, we help you find coverage that actually fits your home, your location, and your budget. We know which companies are writing new business right now, which ones are competitive in your ZIP code, and which ones are financially solid heading into hurricane season.  We are an independent agency in Florida with over 2,250 5-star google reviews.

We're not tied to one company. Our focus is on what's best for you. Whether you're trying to move away from Citizens, replace a non-renewed policy, or just want to make sure you're not overpaying—we're here to help.

Susan Augustyniak, CIC, is Vice President of Augustyniak Insurance Group in Jacksonville, FL.