Find Florida home insurance carriers that may fit your home.
Florida insurance companies do not all look at a home the same way. Roof age, pipes, wiring, claims, home use, and location may affect a quote. Use this directory to learn what carriers publish, compare your options, and prepare before you speak with an agent.
Four Steps To A Better-Informed Quote
1
Tell us about your home
Roof age, year built, plumbing, electrical, and a few other basics — takes under a minute.
2
We check every carrier
Screened against each carrier’s own published underwriting guidance, not guesswork or a sales pitch.
3
Explore carrier profiles
Results show the actual guidance behind each match, with sources — never a black box.
4
Connect with the right agent
Reach a carrier directly, or get matched with an agent already appointed to write with them.
START WITH YOUR SITUATION
What are you dealing with?
My roof is older(01)/ I was nonrenewed or canceled(02)/ I currently have Citizens(03)/ I failed or need a four-point inspection(04)/ I have prior claims(05)/ I’m buying a home(06)
Roof age is one of the most common carrier eligibility factors in Florida — see which age bands each carrier will still consider.
Roof age & eligibility guide →A nonrenewal or cancellation doesn’t rule out coverage — several carriers specifically write homes with a recent lapse.
Nonrenewal & cancellation guide →Understand the 20% rule, inspections, depopulation, and what to review before accepting a private-carrier offer.
Citizens Resource Center →See what inspectors check, common failure points, and how to prepare before your four-point is scheduled.
Four-point inspection checklist →Prior claims affect eligibility differently by carrier — see which claim types and counts each one will still consider.
Prior claims & eligibility guide →Buying in Florida adds insurance to the closing timeline — see what carriers need before you’re under contract.
Buying a home guide →
What You Should Read Next
Insurance Companies
Compare Florida home insurance carriers side by side: published coverage forms, eligibility guidance, and company facts for every profile.
Citizens Insurance
How Citizens works, the 20% rule, and depopulation explained.
Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
CITIZENS RESOURCE CENTER
Have Citizens or received a takeout offer?
Understand Citizens eligibility, the 20% rule, inspections, depopulation and what to review before accepting a private-carrier offer.
Tools
Prepare before you talk to anyone: compare carriers, gather the right details, and estimate the payment impact.
Interactive ToolCompare Carriers
Compare published coverage and eligibility guidance for up to three Florida carriers.
Open tool
GuideBefore Requesting a Quote Checklist
What to gather about your roof, plumbing, electrical and claims history before you contact anyone.
Read the checklist
Interactive ToolEscrow Impact Calculator
Estimate how a policy change affects your monthly payment.
Open toolWhy Homeowners Use This Site
This is a research directory for Florida homeowners insurance, built and run by J&C Agency LLC, a Florida-licensed insurance agency. The directory itself doesn’t bind or issue policies — we publish what each carrier’s own public underwriting guidance says about roof age, home age, plumbing, and claims history.
It lets you walk into a quote conversation already knowing which carriers are likely to consider your home, instead of finding out after a declined application.
Florida homeowners shopping for coverage, anyone nonrenewed or canceled, Citizens policyholders evaluating a takeout offer, and homeowners near a mortgage escrow review.
Most agents are only appointed with a fraction of the carriers writing in Florida. Researching here first means you know which carriers are worth asking about.
It saves you time: you can see up front which carriers are available for a home like yours, and reach out to them directly instead of filling out repeat applications.
Represent one of our carriers?
If you’re an appointed agent for a carrier listed in this directory — or you represent a Florida carrier we haven’t listed yet — reach out. We regularly hear from homeowners specifically looking for someone who carries a particular company — we’ll connect you directly.
Sources & Verification
Carrier and legal facts on this site are tied to dated primary sources whenever available. Review the same references we use:
About This Directory
FloridaHomeInsurances.com is an educational directory operated by J&C Agency LLC, a Florida-licensed insurance agency (Raymundo Guzman, FL license W512374). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.