Florida Family Insurance Review & Complaints: Homeowner’s Insurance

Florida Family Insurance was founded in response to the struggling homeowner’s insurance market in Florida. Their main product is homeowner’s insurance, and they write a standard policy with several upgrade options. They also write condo, rental dwelling, and flood insurance.

Are you looking for free insurance quotes?

 Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His 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.

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: May 3, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Florida Family Insurance

Premiums
Claims
Feedback
Financial Strength



Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Florida Family Insurance was founded in response to the struggling homeowner’s insurance market in Florida following Hurricane Andrew. They have been insuring Florida homes for over 20 years, through several other hurricanes.

About Florida Family

Florida Family Insurance was founded in 1996, a few years after hurricane devastation led many insurers in the state to fold or stop writing homeowner’s in Florida. Insurance agency executive Rick Hardy created the company to help provide Florida homeowners with an option for coverage in a dwindling market.

The company made it through the record-breaking hurricane seasons of 2004 and 2005 and has a sound financial rating with multiple solid reinsurers to back them in case of another disaster.

The company is owned by Barrington Capital, LLC., and headquartered in Jacksonville, Florida. Policies are sold across the state by local independent insurance agents. Their focus is on home insurance, with options for several types of home as well as flood insurance.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

What Kind of Home Insurance Products do they Offer?

Florida Family’s main product is homeowner’s insurance, and they write a standard policy with several upgrade options. They also write condo, rental dwelling, and flood insurance.

Homeowner’s Insurance

The standard homeowner’s insurance policy covers the structure from a variety of perils. It also includes personal property coverage, liability insurance, loss of use coverage, and more.

The upgrades available for the policy include replacement cost coverage for personal property, special and scheduled personal property coverage, water backup coverage, and more.

There are a variety of discounts offered for home insurance policies, including new home, wind mitigation, security and fire sprinkler systems, and more.

Condo Insurance

Like the homeowner’s insurance, Florida Family Insurance offers a base condo policy that covers walls-in structure coverage, personal property, loss of use, and liability. You can add on a variety of endorsements, including personal property replacement cost, coverage for a condo rented to others, loss assessment, and even golf cart coverage.

Condo policies are designed to cover only the part of the structure that is not covered by the association’s policy on the building.

Rental Property

Also known as a landlord policy, Florida Family has a policy that is designed to cover the needs of a home that is rented out. The base policy covers the structure for all perils aside from those specifically excluded. It also includes loss of rents.

Unusual to this policy is that premises liability is an option and not part of the basic policy. Also optional are personal property coverage and replacement cost personal property coverage, medical payments, and theft coverage. Most of these are included to some degree in rental property policies at other companies. The website states the purpose of making these optional is to create a more flexible policy, but this is still very unusual.

Flood Insurance

Flood insurance is a must for many Florida homeowners, and Florida Family offers it through the National Flood Insurance Program.

How to Get Rates

Online quoting is not available for Florida Family Insurance. This is not surprising for a company that writes only homeowners insurance, and only in one state.

The Florida Office of Insurance Regulation has a rate comparison calculator available on the website that gives sample rates for a variety of insurance companies and counties. We ran a test quote for a $300,000 home value post-2005 construction home. Rates varied greatly based on county, from around $1,400 all the way up to more than $6,000.

This is difficult to compare to other companies without more specific details. Home insurance rates in Florida can be very high, especially in coastal areas, and are hard to compare to other states or on a national level.

How to File Claims

Claims handling is a big deal and very important in a state where hurricane damage devastation can be a part of life. Not surprisingly, Florida Family Insurance has an entire section of the website dedicated to claims, from explaining the insurance claims process to catastrophe response information.

Claims can be reported via a toll-free number, through your agent, or online. The online claims form states that it is for hurricane damage, but also has an option to choose hurricane or non-hurricane damage. Our review was written shortly after Hurricane Irma, which likely impacted how claims were being presented and handled.

Like most insurance companies in a hurricane-prone area, Florida Family has mobile catastrophe response available in the event of a disaster, bringing adjusters and assistance to the affected areas.

While there is a link for claims forms on the website, the only forms offered are a personal property inventory and a lightning affidavit. We did not see any actual claims filing forms for download.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

What Are the Ratings and Consumer Reviews?

Florida Family Insurance has an A+ rating with the Better Business Bureau (BBB), and there are only four customer complaints on file in the past three years. Only one was filed in the past 12 months. Both of the actual customer reviews on the site are positive, leaving a five-star rating.

The Florida Department of Financial Services maintains a customer complaint database for auto and homeowners insurance companies. The most recent available data is for the second quarter of 2017. Florida Family Insurance has a complaints ratio of one complaint to every 31,086 policies in force with a total of three complaints in that time period.

We were unable to find much in the way of customer reviews, with only one negative review on Yelp. The local nature of the company is a likely reason for the lack of reviews on large consumer information sites. Overall, the complaint volume for this company is low.

What’s the Bottom Line?

Florida Family Insurance is well worth considering for homeowners in the state. They have a good reputation and have weathered many of the difficulties in the Florida homeowner’s market that left limited choices for homeowners insurance, particularly when it comes to major insurance companies. In Florida, 20 years in the homeowner’s insurance market is a solid background, and this company appears to have the financial stability to protect policyholders into the future.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

 Secured with SHA-256 Encryption