Edison Insurance
NAIC #12482 · www.edisoninsurance.com
Edison Insurance presents itself as a Florida-focused homeowners and condo insurance carrier emphasizing flexible coverage, policyholder service, claims support, and homeowner education. The crawl includes product pages, claims/customer service content, blogs, tools and tips, FAQs, storm resources, and agent access.
Florida Availability
Statewide; sister to Florida Peninsula
Citizens Relationship
Active Takeout Participant
Property Types
Primary/owner-occupied: Yes – owner-occupied 3+ months/yr, no water losses in past 5 yrs; rental exposure makes secondary HO-3 ineligible; Rental: HO-3 rented any period = ineligible, incl. home-sharing/B&B. HO-6: rental OK at 2+ consecutive nights w/ mgmt contract if <monthly; daily Airbnb ineligible; Vacant: New construction OK if completed/occupied within 30 days; vacancy otherwise not addressed as eligible
Unique Programs
16
Company Overview
Edison Insurance Company is listed in this directory using the legal/OIR carrier record EDISON INSURANCE COMPANY, with Florida authorization status shown as ACTIVE and a Florida licensed date of 01/04/2006. For homeowners, the current research points to this profile as best suited for: Sister company to FPI; wood-burning stoves/space heaters explicit hard decline Florida availability is summarized as: Statewide; sister to Florida Peninsula Key underwriting considerations in the current source data include roof guidance (Composite shingle<=20 yrs; tile/metal<=30 yrs), home-age guidance (No flat cap; condition standards apply regardless of age), plumbing considerations, electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: Lapse >15 days (except new purchase); wood stoves/space heaters; FPE/Zinsco/knob-tube/aluminum wiring Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- Sister company to FPI
- wood-burning stoves/space heaters explicit hard decline
Eligibility Challenges & Hard Stops
Will Decline
- Lapse >15 days (except new purchase)
- wood stoves/space heaters
- FPE/Zinsco/knob-tube/aluminum wiring
Requires Underwriting Review
- V or VE flood zones ineligible (HO-6 above ground floor exception). Flood endorsement excludes barrier islands, homes near coastline, prior flood losses
- No prior insurance/any lapse = ineligible, except up to 15-day lapse w/ No Loss Statement, or new purchase within 15 days of closing; binding suspended ahead of storm watch/warning; felony/fraud conviction (w/o clemency) = ineligible
THE UNDERWRITING BOX
What Edison Insurance will and won’t write.
Citizens Connection
Active Takeout Participant
A 2023 OIR consent order approved Edison to assume up to 10,000 Citizens policies, in the same approval round as Slide, Safepoint, and Florida Peninsula. Internal data also flags Citizens_Participation = Yes. (Source: CBS Miami, Oct 2023.)
Other Carriers to Compare
Not every agency carries this carrier.
Ask any independent agent specifically whether they’re appointed with this carrier before getting a quote — most only carry a fraction of the market.
Find an AgentThis profile is intended as a general research reference. Carrier appetite, underwriting rules, eligibility, pricing, and documentation requirements can change. Final eligibility is determined by the insurance carrier at the time of application.
Information last verified August 2026. This carrier’s underwriting/rate manual on file was last revised: Sections revised 09/2025, 07/2025; manual base 07/2023. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.