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Centauri Insurance Review

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UPDATED: Nov 30, 2018

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Centauri Insurance
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Founded in Florida but only recently writing policies in that state, Centauri Insurance started with the purchase of hurricane policies in Hawaii. They then expanded through their neighboring states before finally offering products in their own home state, a rather unusual approach to expansion.

Centauri Insurance Summary

Although the company is based in Florida and born of another Florida insurer, Universal Insurance, Centauri Insurance did not initially write policies in that state due to difficulties with regulations and profitability.

While building a reputation as a major hurricane insurance carrier in Hawaii, Centauri started writing homeowner’s insurance in several states in the Gulf region, where hurricanes are also common.

They have expanded since their initial purchase of Hawaiian hurricane policies in 2012. Currently, they write policies in Hawaii, Louisiana, Alabama, Mississippi, Texas, South Carolina, and Florida.

Centauri policies are written through a network of independent agents, and quoting is not available online. They maintain offices in multiple states to serve the regions in which they currently write policies.

In Louisiana, Centauri is part of the Citizens Takeout program, which allows policyholders with the state’s last-resort property insurance company, Citizens, to move to other insurance companies in an effort to reduce the number of policies with Citizens.

The company’s website is working on a policy management system that will soon be available to policyholders, but currently, only online bill pay is available. Other inquiries must be made through an agent.

Insurance Products

Centauri Insurance writes property and casualty policies for homeowners and tenants in a range of policy types and coverage levels.

Homeowner’s Insurance

Centauri writes standard homeowner’s insurance policies that provide comprehensive coverage for the house itself, personal property coverage, and liability insurance to protect against lawsuits stemming from injuries or negligence. The policies also offer additional endorsements that can be added to protect high-value items such as jewelry and art.

Dwelling Fire/Landlord Insurance

Centauri’s dwelling fire coverage is designed to protect tenant-occupied buildings and the particular risks of rental properties. The basic coverage includes protection for the house, limited personal property including appliances owned by the landlord, and liability. Landlord policies also cover income loss while a property cannot be rented.

Condo Insurance

Centauri writes policies designed for the needs of condo owners. These policies cover structures not otherwise covered by the condo association as well as personal property and liability.

Tenant’s Insurance

Centauri writes insurance policies for renters to cover their personal property as well as provide for liability insurance protection.

Flood, Earthquake, and Hurricane Insurance

Centauri’s origins are as a hurricane and earthquake insurance provider in Hawaii, and they continue to write those policies, currently only in that state. They also write flood insurance policies privately and offer National Flood Insurance Program information on their site as well.

Centauri Insurance Rates

Centauri Insurance does not currently offer online quotes, making it difficult to obtain quick premium comparisons. As a regional insurer offering only property and casualty coverage, they do not have the ability to offer multi-line discounts that can help to reduce premiums. However, expansion across several new states means growth and financial stability that can help reduce premiums across the board over time. Due to the company’s youth, there is little information regarding how their premiums stack up against other similar companies.

As Centauri is sold only through agents, commissions are likely to affect the premiums somewhat compared to direct-buy insurance companies with no agent commissions.

Centauri’s website allows policyholders to log in to pay bills online, but it’s unclear what type of payment plans are available and whether or not discounts are offered for full payment.


Centauri offers two 24-hour claims lines for policyholders to call in reports. There is one toll-free number for Hawaii and another number for the mainland states. Both contact numbers can be found on the company’s website.

Claims reporting is not currently available online either by form or by email. Policyholders can contact their agent for assistance with a claim or call directly to check on claims status.

While every claim is different and can require varying levels of time and effort, Centauri promises to resolve claims as quickly as possible. Their straightforward claims process begins with initial contact, continues through investigation including inspection and photographing of damages, and ends with resolution and paying of benefits within policy limits. Local claims adjusters are available to provide quick, personal assistance in each state.

Consumer Research and Complaints

Centauri Insurance is not Better Business Bureau (BBB) accredited, but has a rating of B+ based on the BBB’s multi-factor rating system. Currently, there are only 13 complaints on file in the past 3 years, two of which have been closed in the past 12 months. No government actions against Centauri have been recorded. The BBB site states the reason for the poor rating is the 13 complaints filed against them.

As a very new entrant into the insurance market with only a few years of experience, Centauri has yet to build a firm reputation, and a search for complaints makes it clear that many insurance consumers know very little about the company. It is likely that a clearer picture of Centauri’s reputation will emerge over time. In spite of this, the lack of complaints in general is a good sign for the company so far, as many new companies face complaints early in business as systems are set up and tested.

Financial Strength

Rating Company Grade Financial Outlook
AM Best N/A N/A
Fitch N/A N/A

Bottom Line

As a new insurer in the property & casualty market, Centauri still needs to firmly establish a reputation with consumers. Their specialty in helping homeowner’s who live in hurricane-prone areas may make them a good choice for those types of homes, but lower risk homes are likely to find better options for homeowner’s insurance elsewhere, particularly with companies offering multi-line discounts. This is especially true in states with a lower risk of hurricanes and other major natural disasters, and where the insurance industry is strong with lots of competition.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

Review Date
Centauri Insurance
Author Rating

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.


  1. DO NOT USE THIS COMPANY!!! We are using them right now. They are horrible. We had a house fire back in July of 18. They purposely underbid our claim by at least #$50,000. And we wasted three months trying to find a contractor that would replace electrical work as well as rebuild an entire kitchen from the studs up and paint over the smoke damage that was still left behind after their cleaning company was done. The original claim was only about $20,000. We were finally told we had to move out temporarily. We have been in an apt since October for a job that has now taken almost 7-8 months when it should have only taken three. Mr. [Redacted] never explained properly the process to us. He will not call you nor can you call him and expect an answer as he seems to only reply with emails. We have been jerked around by them throughout the whole process. And now that we are trying to get our contents back they have now decided they need ages to everything because they claim depreciation on the items. So instead of getting what we paid for on items to replace the house, we are losing 3-30% of our content value which can be up to $8000. They have tried to screw us over every since chance they get and the ONLY good thing that has helped us is our contractor. I WILL NEVER USE CENTARI AND WE HAVE REACHED THE POINT WE ARE LOOKING AT SEEKING LAWYERS SINCE WE HAVE REACHED THE POINT OF WANTING TO BE COMPLETELY DONE WITH THIS CLAIM AND WITH THIS COMPANY.

    • I know they will screw you unless you get a lawyer.. and I understand they still want to pay me $18,000 less than the estimate I could get from storm damage back in early 2016 yea it has been that long now. They want contractors to take what they want to pay, that will NEVER HAPPEN…
      To top things off the WILL lose paperwork you send them also so you best send it certified mail. They are nothing short of some of the biggest crooks selling insurance. What needs to happen is them being put in a class action law suite. I have been reporting on how bad they are for years and everywhere I can find to do so on the internet.
      Don’t let them screw you. Also, if you have replacement cost insurance which most people do with all companies then they can not just pay you the depreciated value of anything that you are replacing. You may have to provide them with receipts where you replaced them but that is the way to get FULL replacement cost NOT the depreciated value… They want you to not replace the items so they can do this to you……………. Get those items new and turn in ALL receipts to get that full amount of what everything is worth. Good luck………… Tell the World….how they screw people……everywhere you can and Never stop telling others how they screwed us..

      • I feel for you but I tried my best to create a class action against them two years ago and no lawyer would take the case. I tried repeatedly to get the insurance commissioner involved and got canned responses from their Consumer Affairs department. Seems no one cares…in Florida. To top things off, after they cancel you, you are going to be charged a $500 penalty with any reputable insurance company. For me, they demanded I pull off my $30k hurricane-resistant roof and it’s underlayment and of course, they had their preferred contractor. Yeah – not happening.

        • Yea, Attorneys ONLY want a SUPER easy case….. I contacted Alabama insurance commission and they were useless also they take our tax dollars to help and sit on their [redacted] eating donuts and drinking coffee… Heck I even have in writing where I was lied to. It’s a sue me situation with most companies these days, it’s a new society much different than it was just 30 years ago. Most companies like Centauri say “fine sue me”.. and these greedy lawyers fees get higher all the time.
          Just keep telling the world how bad they are EVERYWHERE YOU CAN, I know just from reading on this site it has cost them money…

          • DO NOT buy their equipment breakdown coverage!

            It seems that they try to deny all claims based on “wear and tear” even shown evidence that there was clear mechanical/electrical breakdown!


            DO NOT buy insurance from this company!

  2. My sister is about to purchase a policy for her Florida home, with this company and I need to know if this Centauri company is AM Insurance rated. Thanks.

    • NO, No and NO!!!

    • STAY AWAY…………….. I have storm damage that is years old and I am still trying to settle with Centauri…. They want to pay thousands less than the contractor’s estimates…One of the damaged items Centauri wants to pay $10,000.00 less than the estimate….. Centauri tries to wear its insured down getting them to throw their hands and give up taking what they offer…………. NO WAY…..

    • It’s a horrible company. We got a low quote of $1500/yr. Next month we received three invoices in one day ($1700, $2600, $4600). Their rep claimed there was a computer problem due to inspection report and not to pay until cleared up. Another three of same invoices arrived. They sent another inspector who told us to move all ductwork and remove soffit to view roof. We advised him no way and canceled the policy. We live in Florida.

    • I had storm damage in early 2016 and it is still open… Centauri wants the contractors to take what they want to pay. No one can tell another person what to work for…
      The insurance company is not even close. They are $9000.00 short on what it will take to do the work… so I still have storm damage to this day.

      • I’m so sorry for your experience and so glad I didn’t buy into their BS.

  3. I have not had any issues at all from Centauri, I believe some of these issues on these comments have something to do with the writing agents slacking off; because my agent went through each and every question with me, in great detail, listing things about my house that I would have never thought of, and I have no question in my mind that I will not get my future claims paid.
    Keep in mind that Berkshire Hathaway has included them in their beloved Geico’s insurance portfolio; they would have vetted through hundreds of companies before choosing Centauri.

    • Well, I can say for sure that the agent is not the best if he was he would NOT sell Centauri insurance… Centauri has NOT paid for my storm damage as of yet and it has been years… Looks like I will have to sue Centauri, they want contractors to do the repairs for what they want to pay……. Centauri has even blocked my emails asking for them to help…

  4. We have had Centauri for about 4 years-2013 to 2017. In April 2015 we received hail damage to our Texas roof. We contacted the company and the game was on. We had the roof inspected by a contractor we chose and Centauri also sent out someone. Both agreed that the roof needed to be replaced (house was built in 2005 and never replaced). The roof was replaced july 31, 2015. The Centauri people did a pretty good job of getting it done. Our only complaint was about a small amount of water that appeared in our master bath. It was also inspected by Centauri and determined that the roof was not causing the water on the floor. We think that was correct and the water was coming from the shower (about 3 feet from the water). We recaulked the shower and have no problem since.

    • How can I post my review to this insurance company? I signed a contract with them for 2 months later they sent me another bill for 200$+ due to dwelling fee goes up, should they let me know in advance before I sign the contract with them and this happens after we affected by a hurricane, that is BS! This company is sucks!

      • Good luck to you. That insurance company is verrry questionable for sure.

      • Thank you for your post. I know Centauri will do anything to keep from paying claims…ANYTHING. If they can, they will at the least drag out the claim for years as they have done to me….. They will also claim to pay but will not pay the full amount it takes for the repairs to try an protect them from a lawsuit, hoping you will take the small amount they offer and get tried and move on……….. good luck…. post everywhere you can find on the internet about how they rip customers off…………

      • NO!!!!!

        • Stay away from them….. They still owe for storm damage that happened back in early 2016………..

  5. I am looking to get a policy with this insurance company for coverage in Texas. Any and all comments will be greatly appreciated. Reading the reviews have me nervous. My decision must be made by the end of this month.

    • RUN in the opposite direction!

    • STAY AWAY (pass this info along) this company may rip you off. I would be VERY surprised if they do no…..
      Have you ever heard when you ask am I covered, the only way to find out with Centauri is to make a claim. Their contract means nothing unless you take them to court.

      • I agree, up until now my claim is still open. Its been 6 months and I have not received any resolution. I filed my claim last Sep 2017 for wood floor damaged due to refrigerator water that leaked. Today is Jan 10-2018. What a waste of time and money. Please avoid Centauri.

        • YES, I have been in a battle for damage that happened in Feb of 2016……..
          Still I have not given up. That is what Centauri hopes you will do…….give up and move on………..
          NOT me……..I have not settled with them. A lawyer told me that I have 6 years to sue, due to the contract.
          It looks more like that is what I will have to do…… they suck…
          The latest about a week ago is they said they never got an itemized price for some of the work, there is more of their lies…….. I sent it to them more than once…… then they said “oh we have been having problems with our fax machine………
          I sent her, [Redacted], tons of emails I have kept, showing that they have delayed…..

          Bottom line is that they are crooks……. good luck and don’t give up………..

          Pass the word on every internet site you can find

  6. Centauri has to be the worst insurance company. I contacted them over 7 months ago with storm damage and they have not paid me anything, NOTHING!!! I have emails from my agent stating that I am covered for all damage caused by the storm but Centauri has not paid. Looks like I will take my emails to a lawyer and sue, my agent has even stopped emailing me when I reminded him he said I was covered. After many months of not paying Centauri wants to send out someone else to try and find reason(s) not to pay. The only thing this company conserves is the money you sent them and does not want to pay it out when you have a claim.

    • Did you ever get your claim paid?

      • They have offered a small amount that does NOT cover the damage. Some of the claim was denied even with my agent stating that it would. I am still in this battle…. My agent has been almost NO help… If there is someone that you HATE tell them to buy Centauri insurance………….

    • Thank You, Tim

      Yes I have had many problems with Centauri Insurance…………
      Not wanting to pay, and not paying…….

  7. Megan and Terry – their service might be wonderful IF they continue the contract but they have a history now of cancelling policies for no valid reason within 60 days. There’s something wrong with a company that does that.

  8. I just purchased this insurance today. Mine is in Columbia, SC. Anyone had any dealings from this state. I too am very nervous with all the negative reviews.

  9. Just served with a cancellation notice, of course within the 60 days of being newly insured. They cancelled us due to “debris on property”. Well, had a dumpster located in our driveway, neatly, and were hauling old wood floors and tile due to us replacing them. This is “debris”? Maybe they should have looked in my garbage cans as well? There would have been more “debris” there as well!!
    Seriously!!! I’m incredibly frustrated by this company.

    • Forwarded to insurance commissioner. If enough people complain maybe they will do something!

    • just served a cancellation notice withing 60days of being newly insured. they want us to replace the roof or cancel the insurance within a month. why didnt they say this when we were in escrow…we could have split the cost with the seller. this is unheard of. the roof has no issues per the home inspection.

      • Not any insurance company will take shingle roofs over 20 years old… Oh yes you can go to an excess line but you will pay through the nose. Most are not taking shingle roofs over 15 years old without a valid wind mitigation inspection and a roof certification that shows it has at least 5 years of remaining life left and people this is what your government allowed them to do. Commission or BBB none of them will do anything because of this allowance.

  10. Lost our dock due to high winds. The dock is a floating dock, rising and falling with water levels. This company denied our claim, insisting damage was done by flooding and water pressure. Totally false. Appealed to the Insurance commission, their response was they could not settle it and we would have to file a law suit to get anything done. If I could afford a law suit I could afford a new dock. This company accepted coverage of the dock, we paid our premium and then they denied a legitimate claim. Consumer beware.

  11. I started using Centauri in 2015. In July 2016, I received a letter from them that I assumed was a bill for my yearly premium (I pay once yearly b/c my mortgage company does not escrow). I opened it, and it was a letter informing me that my roof condition was unacceptable. No one contacted me to tell me that I needed a new roof or my insurance would be dropped. Very frustrating.

    • I forwarded this to my new contact – hope you don’t mind. Filed with the Insurance commissioner and was surprised their office doesn’t handle predatory/fradulent insurance companies.

    • we have the same issue currently. what was your outcome?

      • I have forwarded all these comments to the insurance commissioner who automatically forwards them to consumer affairs. I have filed a complaint with BBB also. So far, they don’t seem to give a crap that this insurance company is a fraud. I keep trying but I think this will take a lawyer and a group of people as in class action.

        • AMEN. looks like I will have to sue them I made a claim over 7 months ago and they have not paid a dime!!
          They still want to send out adjusters AGAIN MORE THAN 7 MONTHS FROM CLAIM. Now its a A/C company of theirs one that makes their money by helping Centauri NOT pay… Also now they want to tell me that some of what was damaged is not covered……

          email me I will join you in suing them

          • Good luck to you. I have found no one who is willing to help with this company. All the complaints I have forwarded to the insurance commissioner and they also don’t seem to give a crap. You’re certainly welcome to contact me if I can be of any assistance in your fight but, for now it looks like I just have no options. sharon

  12. you need to re-assess this company. They are fraudulent at best.

  13. After having a Centauri Insurance policy on my home from 2/29/16 through 7/1/16, my insurance was cancelled because I would not spend $850 to fix an indentation on the roof overhang. The roof was only 2 years old and had a warranty against leaks, etc……, the roofing company sent a man out to look at it, and then emailed me his professional explanation in a letter (which I copied and sent to my agent.. along with 22 pictures of the inside of the house) I spent an incredible amount of time on this….. SOOOOO unless your home is in PERFECT condition, do not expect this insurance company to live up to its policy. The problem also lies in that, as the policyholder, I was not able to speak with a Centaurian, but had to go through a unrelated “agency”.
    I await my meager refund.

    • Same here. I signed a contract beginning 9/01/16 and got my cancellation exactly one month later due to “roof condition is unacceptable”. It’s rainy season here so lots of mold. My roof is hurricane resistant up to 120 mph and I received a discount for it on my last policy. It’s “condition” needs only to be pressure washed and sealed. It doesn’t leak. The home insurance industry in Florida is nothing but a racket.

      • Well Sharon, here’s how I look at it. My gain, their loss. Hurricane William did not touch my house. It didn’t even lose power, altho the street behind me
        did. Good luck paying out claims due to the damage up and down the cost, Centauri. The refund check you sent me could have replaced a few windows at no cost to you. Ha!

        • You may want to keep in touch cause I contacted an attorney this morning. Centauri says I must replace my roof cause it’s rusted. It’s an aluminum roof. Aluminum doesn’t rust. This place and the Florida Insurance Commision is past due for a class action and I’m just [Redacted] enough to do it.

          • Sharon,
            Welcome to the Unacceptable Roof Condition” club. Coffee anyone?

  14. This company is a fraudulent one, that is how I am thinking about, specialy my relation with [Redacted]. I told her I do not want a policy and the result is I have an unwanted and unneded policy againt my house!
    Jose Collazo

  15. Eric,

    It has been over one year since you posted your review of Centauri. Has your evaluation of them altered any given the passage of another year, especially as it relates to South Carolina? Thank you.

    • Hi Rich,

      The Centuari review is our most recent assessment of the company, and it pertains to the organization as a whole. I hope you found it useful!

      Eric Stauffer

      • I am sitting here reading these reviews and my experience can’t be further from any of them. We had three hail storms this year with hail around three inches. Our roof was twenty years old when we purchased the house October 2015 so you can imagine it wasn’t ready for this years storms. Centauri handled everything promptly and with great attention when anything would come up during the repair of our roof, fence, screens, and gutters. I have told everyone who will listen about our treatment during this nerve wrecking process. I can’t remember the last time I was this thrilled over anything customer service related.

        • I’m reasonably sure we’ll be hearing a lot more of these ecstatic reviews now that they have been reported to multiple agencies. Maybe they just have a thing about owners/houses over 65 years old? We shall see but I’m ecstatic your experience is so wonderful. Some of us aren’t so lucky.

        • I just purchased a policy with this company and am feeling very nervous reading all the negative reviews.
          I was wondering which state is your home located in?

          • Florida

          • Florida.

          • I love this company, people are always wanting something covered that they did not pay for. Select the right coverages on your policy with the right deductibles and the company will honor it. They are very well capitalized and conservative company who actually pays claims.

          • We had our roof and gutters replaced and our fence restored last year after a series of hail storms. Loved the service from start to finish.

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