Choosing the right homeowners or property insurance provider in Florida is one of the most important decisions you’ll make.
With hurricanes, water damage, and rising insurance costs, Florida policyholders need a reliable insurance carrier that won’t leave them struggling to recover from a loss.
At Panther Public Adjusting, we often hear the question: “Who is the best insurance company for my home or property?” While there’s no one-size-fits-all answer, some companies handle claims better than others.
We recently reviewed an article ranking the 10 largest home insurance companies in Florida based on policy count. Using that list, we ranked them based on claim handling, customer satisfaction, and their willingness to pay what policyholders deserve.
The 10 Largest Florida Home Insurance Companies
These are the 10 biggest home insurers in Florida, ranked by the number of policies they provide:
1️⃣ Citizens Property Insurance
2️⃣ State Farm
3️⃣ Universal Property & Casualty Insurance
4️⃣ Tower Hill Insurance
5️⃣ Slide Insurance
6️⃣ American Integrity Insurance
7️⃣ Bankers Insurance
8️⃣ First Protective Insurance (Security First Insurance)
9️⃣ Florida Peninsula (Edison Insurance)
🔟 Castle Key Insurance (Allstate subsidiary)
How We Ranked These Insurers
We reorganized this list based on which companies we recommend and which ones homeowners and property owners should avoid.
💡 Want to know if your insurance policy is good or bad? Send it to us for review: Submit Your Policy Here.
Best Insurance Companies to Choose in Florida
While no insurance company is perfect, some handle claims better than others. Based on our experience handling insurance claims throughout Florida, here are the top insurers we’d recommend from this list.
1️⃣ Citizens Property Insurance
✅ Not just a last-resort insurer—Citizens can be a solid option overall.
✅ Water damage coverage has no $10,000 cap if you use their managed repair contractors.
✅ If a claim is underpaid, it can usually be resolved in appraisal.
⛔ Claims are often underpaid initially.
⛔ Can be slow to process claims compared to some private insurers.
2️⃣ Castle Key Insurance (Allstate Subsidiary)
✅ Generally responsive to claims.
✅ Has a one-party appraisal clause, meaning homeowners or the insurer can invoke appraisal.
✅ Less likely to deny coverage outright.
⛔ Initial payouts may be low, requiring policyholders to dispute claim amounts.
3️⃣ Tower Hill Insurance
✅ Typically opens coverage on valid claims.
✅ May agree to appraisal to resolve disputes.
✅ Processes claims faster than some competitors.
⛔ May underpay claims, requiring policyholders to fight for a fair payout.
Mid-Tier Florida Home Insurance Companies
These companies aren’t the worst, but they often underpay claims and may require homeowners to fight for fair compensation.
4️⃣ American Integrity Insurance
✅ They generally open coverage instead of outright denying claims.
✅ Can be a reasonable choice if you opt out of the arbitration clause.
⛔ If you don’t opt out, arbitration can limit your ability to dispute claims.
💡 If you have American Integrity, make sure you opt out of their arbitration clause to protect your rights.
5️⃣ Bankers Insurance
✅ Usually opens coverage but may underpay claims.
⛔ Tends to offer lower initial claim settlements.
⛔ Policyholders often need legal action to secure fair payouts.
6️⃣ Universal Property & Casualty Insurance
✅ One of the largest insurers in Florida.
⛔ Known for claim delays and underpayments.
⛔ Their appraisal process is two-party, meaning both sides must agree to go to appraisal.
Worst Florida Home Insurance Companies to Avoid
These companies have a history of underpaying or denying claims and should be avoided if possible.
7️⃣ Florida Peninsula & Edison Insurance
⛔ Frequent claim denials and delays.
⛔ Very difficult to get full payouts without legal action.
8️⃣ First Protective (Security First Insurance)
⛔ Extremely slow claims processing.
⛔ May refuse appraisal or dispute damage assessments.
9️⃣ Slide Insurance
⛔ One of the worst for claim disputes.
⛔ Often delays payments or denies claims altogether.
🔟 State Farm (The Worst Choice in Florida)
⛔ Frequently denies claims that should be paid.
⛔ Removes homeowners’ right to demand appraisal in their policies.
📞 If your insurance company lowballed your claim, call us now at 833-726-8437 for a free review!
Why Hiring a Public Adjuster from the Start is the Best Move
At Panther Public Adjusting, we can assist policyholders at any stage of their claim, but hiring a public adjuster from the beginning is always the best option.
💡 Learn more about why hiring a public adjuster can maximize your claim.
What If Your Insurance Company Underpays Your Claim?
💡 Find out how to fight a denied or underpaid claim and get the compensation you deserve.
📞 Call us now at 833-726-8437 for a free consultation!
How Panther Public Adjusting Helps Florida Homeowners & Property Owners Get Paid
💡 Understanding your insurance policy is crucial—know what to look for before disaster strikes.
📞 Call us now at 833-726-8437 for a free claim review!
📩 Or submit your policy for review here: claims@Pantherpa.com