Compare Florida Home Insurance Carriers
Put up to three carriers next to each other and read what each one actually publishes about roofs, plumbing, wiring, occupancy, and claims. Nothing here is a quote — it is the underwriting guidance itself, quoted from each carrier’s own documents.
The best published position on each underwriting question
Across all 18 carriers we track, this is the most permissive guidance anyone publishes on the factors that decide a Florida home. Tap a carrier to drop it straight into the comparison below.
No roof age limit if well-maintained (5+ yr roofs: Roof Payment Schedule mandatory)
DF3-DL: shingle<=20/metal-tile<=35 yrs; HO-3/HO-5 not itemized
The age a plain asphalt-shingle roof has to stay under.
Accepted, though typically with a mandatory water-damage exclusion.
No standalone 4-point threshold stated in the documents on file.
Accepted subject to remediation (COPALUM, pigtailing, CO/ALR) or underwriting review.
Usually on a dwelling-fire form rather than an HO-3.
Vacancy is addressed as eligible on at least one form.
These carriers actively assume policies out of Citizens.
Every figure here is quoted from a carrier’s own published underwriting documents. Where a carrier publishes nothing on a question, it is counted as unpublished rather than assumed — that is why each tile shows how many carriers the benchmark is actually drawn from.
Pick at least two carriers to compare.
Or start from a common pairing:
Guidance is transcribed from carrier documents on file and can change without notice. A blank cell means the carrier publishes nothing on that question in the documents we hold — not that the answer is no. Always confirm directly with the carrier or an appointed agent before you rely on any of it.
A chip is our summary. The text underneath is the carrier’s.
Underwriting guidance is written as prose, not as a spec sheet. To make it comparable we tag each answer with one of four chips — Accepted, Conditional, Ineligible, or Not published — and then show the carrier’s own wording directly beneath it.
Read the wording. “Conditional” covers everything from a small surcharge to a hard decline on one policy form and a yes on another, and that distinction is usually the thing that decides whether your home gets written.
This directory is an independent research tool. We are not an insurance agency and do not sell policies.