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Homeowners Choice

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Homeowners Choice

NAIC #12944 · WWW.HCPCI.COM

Homeowner summary: Homeowners Choice is listed in this directory using the legal/OIR carrier record HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC., with Florida authorization status shown as ACTIVE and a Florida licensed date of 05/10/2007. For homeowners, the current research points to this profile as best suited for: No documents on file Florida availability is summarized as: Florida availability not specified in the current source documents. Detailed underwriting/appetite guidance is limited in the current source documents and should be verified before quoting or placing coverage. Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.

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Active & FL-Licensed Since 2007 NAIC #12944 FEIN not yet verified Property and Casualty Insurer

Florida Availability

Not yet verified

Citizens Relationship

Participates in Depopulation

Property Types

Not yet verified

Unique Programs

None documented

Company Overview

Homeowners Choice is listed in this directory using the legal/OIR carrier record HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC., with Florida authorization status shown as ACTIVE and a Florida licensed date of 05/10/2007. For homeowners, the current research points to this profile as best suited for: No documents on file Florida availability is summarized as: Florida availability not specified in the current source documents. Detailed underwriting/appetite guidance is limited in the current source documents and should be verified before quoting or placing coverage. Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.

Homeowners Choice service area in Florida

Contact & Claims

☎Customer Service & Claims: (866) 324-3138◯WWW.HCPCI.COM
○24/7 Emergency Claims Contact: Not available

Related Citizens Topics

Participates in Depopulation — see this carrier’s full Citizens Connection below.
Citizens Property Insurance Guide →
This carrier’s Citizens Depopulation page: Not available

Helpful Resources & Programs

Unique Programs: None documented on file.
Claims Center ↗
Discounts Not available
FAQs Not available
Find an Agent Not available
Hurricane & Storm Prep Not available

Links go to WWW.HCPCI.COM, the carrier’s own site. Photo is a placeholder stock image, not this carrier’s actual service area.

Best Fit Homeowner

  • No documents on file

Eligibility Challenges & Hard Stops

  • Specific eligibility challenges and hard-decline criteria are not fully documented in the current source materials for this carrier.
THE UNDERWRITING BOX

What Homeowners Choice will and won’t write.

Max Roof AgeNo specific roof-age or roof-type guidance is currently on file. Roof condition, age, type, and remaining useful life should be reviewed with the carrier before relying on eligibility.
Home Age LimitNo specific home-age threshold is currently on file. Older homes may require additional review of roof, plumbing, electrical, HVAC, and inspection documentation.
Flood ZoneFlood-zone guidance is not fully specified in the current source documents. Separate flood insurance requirements may apply based on lender, location, or carrier rules.
PlumbingPlumbing guidance is not fully specified in the current source documents. Older plumbing systems may require review, inspection, documentation, or coverage limitations.
ElectricalElectrical guidance is not fully specified in the current source documents. Older panels, wiring methods, or discontinued panel brands may require inspection, updates, or underwriting review.
OccupancyProperty type guidance not specified in the current source documents.
Dog Breed / LiabilityDog or breed guidance is not fully specified in the current source documents. Animal liability restrictions can vary by carrier and policy form.

Citizens Connection

Participates in Depopulation
Listed among personal-lines companies participating in Citizens' Depopulation Program per Citizens-sourced program records; no specific recent transaction volume confirmed independently. (Source: Citizens Depopulation Program background compilation, Jan 2026.)

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Florida Citizens Guide overview

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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.

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This 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. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.