GeoVera Specialty
NAIC #10799 · WWW.GEOVERA.COM
GeoVera presents itself as a catastrophe-focused residential property insurance group. The crawl shows Florida residential products through GeoVera Specialty, including homeowners, landlord, vacant home, and wind-only coverage, with distribution through preferred wholesale broker partners and a surplus lines/non-admitted structure for Florida homeowners.
Florida Availability
Statewide
Citizens Relationship
No Known Citizens Activity
Property Types
Primary/owner-occupied: Yes; Rental: Yes – HO3 primary, seasonal, secondary, rental/landlord all eligible; Vacant: Yes – Vacant/Renovation program (cosmetic renovations & homes for sale OK; convertible to HO3 once occupied)
Unique Programs
3
Company Overview
GeoVera Specialty Insurance Co is listed in this directory using the legal/OIR carrier record GEOVERA INSURANCE COMPANY, with Florida authorization status shown as ACTIVE. For homeowners, the current research points to this profile as best suited for: Most flexible E&S market in portfolio for hard-to-place risks – no 4-pt, no prior insurance, LLC OK, vicious dogs OK Florida availability is summarized as: Statewide Key underwriting considerations in the current source data include roof guidance (No roof age limit if well-maintained (5+ yr roofs: Roof Payment Schedule mandatory)), home-age guidance (Homes 1950+; 1950-59 need full renovation proof), plumbing considerations, electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: FEMA V/VE/OPW flood zones; more than 2 paid claims/3yrs; homes built before 1950 Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- Most flexible E&S market in portfolio for hard-to-place risks – no 4-pt, no prior insurance, LLC OK, vicious dogs OK
Eligibility Challenges & Hard Stops
Will Decline
- FEMA V/VE/OPW flood zones
- more than 2 paid claims/3yrs
- homes built before 1950
Requires Underwriting Review
- FEMA flood zones OPW, V, or VE = ineligible; AE ineligible with certain foundation/year-built/location combos
- No prior insurance required, no surcharge; no credit check/insurance score; no bankruptcies/foreclosures in last 5 yrs
- Vicious dogs acceptable (animal liability excluded – see UW guide for definition)
THE UNDERWRITING BOX
What GeoVera Specialty will and won’t write.
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: April 17, 2026. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.