Patriot Select P&C
NAIC #15617 · WWW.PATRIOTSELECT.COM
Homeowner summary: Patriot Select P&C is listed in this directory using the legal/OIR carrier record PATRIOT SELECT PROPERTY AND CASUALTY INSURANCE COMPANY, with Florida authorization status shown as ACTIVE and a Florida licensed date of 10/28/2014. For homeowners, the current research points to this profile as best suited for: HO-3 only – no HO-6/DP-3 product Florida availability is summarized as: Statewide (HO-3 only) Key underwriting considerations in the current source data include roof guidance (Shingle/flat<=15 yrs; Tile/metal<=25 yrs), home-age guidance (Year built 1920+; Monroe 2002+), plumbing considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: Roof overlays/roof-overs; 2+ non-weather claims; Cov A >$1.5M without UW approval Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Florida Availability
Statewide (HO-3 only)
Citizens Relationship
Participates in Depopulation
Property Types
Primary/owner-occupied: Yes, 10% surcharge; occupied >3 months total (not required consecutive); Rental: Not addressed in QRG
Unique Programs
None documented
Company Overview
Patriot Select P&C is listed in this directory using the legal/OIR carrier record PATRIOT SELECT PROPERTY AND CASUALTY INSURANCE COMPANY, with Florida authorization status shown as ACTIVE and a Florida licensed date of 10/28/2014. For homeowners, the current research points to this profile as best suited for: HO-3 only – no HO-6/DP-3 product Florida availability is summarized as: Statewide (HO-3 only) Key underwriting considerations in the current source data include roof guidance (Shingle/flat<=15 yrs; Tile/metal<=25 yrs), home-age guidance (Year built 1920+; Monroe 2002+), plumbing considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: Roof overlays/roof-overs; 2+ non-weather claims; Cov A >$1.5M without UW approval Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- HO-3 only – no HO-6/DP-3 product
Eligibility Challenges & Hard Stops
Will Decline
- Roof overlays/roof-overs
- 2+ non-weather claims
- Cov A >$1.5M without UW approval
Requires Underwriting Review
- Cov A >$750k requires interior+exterior inspection; >$1.5M-$5M TIV needs UW approval; >45 days no-prior = surcharge
- Prohibited breeds excluded from Animal Liability endorsement only; base policy can still be written
THE UNDERWRITING BOX
What Patriot Select P&C will and won’t write.
Citizens Connection
Participates in Depopulation
Listed among commercial-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.)
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: 01/23/2026. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.