People’s Trust home insurance in Florida
NAIC #13125 · WWW.PEOPLESTRUSTINSURANCE.COM
This page summarizes publicly available information about People’s Trust and general questions to prepare before you ask for a quote. For People’s Trust, start with the roof age and type. Then check the pipes, panel, wiring, and home use. Review past claims too. Keep proof of each update or repair. People’s Trust requirements can change and must be confirmed for the current form, address, and effective date. Only the carrier can determine eligibility. Ask an appointed agent to check the latest guide for your home.
Active & FL-Licensed Since 2008
NAIC #13125
FEIN not yet verifiedFlorida Availability
Statewide license; territory limits may apply
Citizens Relationship
Takeout activity reported
Property Types
Occupancy, rental use and vacancy are reviewed under detailed program rules. No current public rule identified; confirm the treatment of your property’s actual use with an appointed agent
Unique Programs
6 identified
Where People's Trust Writes Coverage
Statewide license; territory limits may apply at some coastal addresses.
Availability can change by county and program. Confirm current openings with an agent.
People's Trust is listed under the Florida OIR record PEOPLE'S TRUST INSURANCE COMPANY, with an active Florida license dating to March 2008. Public materials describe the carrier’s in-house inspection model as a distinguishing feature; territory limits may apply at some coastal addresses. Public reporting describes People's Trust in Citizens takeout activity (see the sourced note below). Our Citizens Insurance guide explains how takeout eligibility works.
Key Takeaways
General Eligibility Considerations
What to confirm with People's Trust or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from People's Trust. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with People's Trust or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about People's Trust
GLOSSARY
Terms Used on This Page
Four-point inspection
A check of the roof, pipes, wiring, and heating and cooling systems.
Learn more →Federal Pacific (FPE)
An older electrical panel brand that some carriers will not accept.
Learn more →Decline
A carrier decision not to offer a particular program. Only the carrier can make this determination, and it can change with the program, address, and effective date.
Learn more →BEFORE YOU ASK FOR A QUOTE
Questions to Ask Before a Quote
- Does your agency work with this carrier and policy type?
- Is the carrier open for new business at this address?
- Does the roof meet the current age, type, and condition rules?
- Will the carrier ask for a four-point, wind, roof, or other inspection?
- Do the pipes, wiring, heating, cooling, and water heater meet the rules?
- How would People’s Trust pay for roof damage? Would it use replacement cost, actual cash value, or a roof schedule?
- What are the hurricane and all-other-perils deductibles?
- Are there water, mold, animal, pool, or other limits?
- Which forms or records should you send before the quote?
PAPERWORK
Records to Gather
For a People’s Trust review, bring the roof permit and the latest inspection. Keep bills for work on the roof, pipes, wires, or heating system. List old claims and how each repair was made. Send clear photos only when asked, and keep a copy of each file.
CITIZENS RESOURCE CENTER
Citizens Takeout Activity Reported
Approved by the Florida OIR among nine companies selected for Citizens takeout assumption rounds scheduled February to April 2026. (Source: Florida Realtors, Nov 2025.)
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What You Should Read Next
Insurance Companies
Compare Florida home insurance carriers side by side: published coverage forms, eligibility guidance, and company facts for every profile.
Citizens Insurance
How Citizens works, the 20% rule, and depopulation explained.
Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
Need a specific insurance company?Get a quote from your Florida-licensed agent
Your request will show that it came from the People's Trust page. Our team will follow up to review your request and explain the next step.
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FloridaHomeInsurances.com is an educational resource operated by a Florida-licensed insurance agency (see About). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.