Core Insurance home insurance in Florida
NAIC #17547 · WWW.COREINS.COM
This page summarizes publicly available information about Core Insurance and general questions to prepare before you ask for a quote. For Core Insurance, 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. Core Insurance 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 in Florida
NAIC #17547
FEIN not yet verifiedFlorida Availability
Not yet verified
Citizens Relationship
No Known Citizens Activity
Property Types
Not yet verified
Unique Programs
None documented
Where Core Insurance Writes Coverage
Core Insurance holds an active Florida license; county-level availability has not been independently verified.
Specific county-level availability has not been independently verified. Confirm current openings with a Florida-licensed agent.
Core Insurance is listed in this directory under the Florida OIR record CONDO OWNERS RECIPROCAL EXCHANGE, with Florida authorization status shown as active. We have not independently verified which counties, policy forms, or programs are currently open for new business. A Florida-licensed agent can confirm current availability in your area, or you can browse all carrier profiles.
General Eligibility Considerations
What to confirm with Core Insurance or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Core Insurance. 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 Core Insurance or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Core Insurance
The entries below are limited to statements that appear in a linked public carrier document or public page. Each entry identifies the source and its date. A public statement may have changed since its source date or may apply only to a particular form, program, or territory.
Company
Homeowners; form to confirm
CORE's public site states that Condo Owners Reciprocal Exchange expanded from commercial residential policies into Florida homeowners insurance. Its legal name alone should not be used to classify it as condo-only.
Public source: CORE, official company overview · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Occupancy
HO3 | CORE residential homeowners
CORE's public HO3 page describes seasonal and secondary residences as eligible for consideration. Confirm the actual occupancy, property condition and current program requirements before requesting a quote.
Public source: CORE, Residential HO3 · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Coverage limits
HO3 | CORE residential homeowners
CORE advertises coverage limits up to $1.2 million on its HO3 page. The page does not identify every limit or underwriting condition; confirm the applicable dwelling limit and address-specific availability.
Public source: CORE, Residential HO3 · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Water coverage
HO3 | CORE public customer flyer
CORE's customer flyer describes water coverage without an age-based water sublimit. Its footnote makes this subject to claims review and policy terms. This does not establish that every water cause, plumbing material or home is acceptable.
Public source: Why CORE, HO3 customer flyer · flyer dated 2026-08-01 (printed V08.01.26) · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Roof
HO3 | CORE public customer flyer
The flyer describes replacement-cost roof coverage, subject to claims review and policy terms. It does not supply a maximum roof age or guarantee that every roof material and condition will qualify.
Public source: Why CORE, HO3 customer flyer · flyer dated 2026-08-01 (printed V08.01.26) · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Coastal distance
HO3 | CORE public customer flyer
The flyer advertises no distance-to-coast limitation. Treat this as a stated product feature, not a promise of availability at every coastal address or an exemption from other underwriting review.
Public source: Why CORE, HO3 customer flyer · flyer dated 2026-08-01 (printed V08.01.26) · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
Contact
Company contact; not an eligibility rule
CORE's public contact page lists (844) 713-5800 for both general contact and claims, with claims@coreins.com for claims.
Public source: CORE, Contact Us · undated live page · checked 2026-08-28
This public-source summary may not reflect later changes or apply to every address or applicant. Confirm current requirements with the carrier or an appointed agent.
GLOSSARY
Terms Used on This Page
Four-point inspection
A check of the roof, pipes, wiring, and heating and cooling systems.
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 Core Insurance 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 Core Insurance 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.
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Eligibility Guides
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Need a specific insurance company?Get a quote from your Florida-licensed agent
Your request will show that it came from the Core Insurance page. Our team will follow up to review your request and explain the next step.
- Florida-licensed agent
- Help with all property types
- No obligation
- Quotes typically back within 24 to 48 hours
Represent one of our carriers?
If you’re an appointed agent for a carrier listed in this directory, or you represent a Florida carrier we haven’t listed yet, reach out. We regularly hear from homeowners specifically looking for someone who carries a particular company. We’ll connect you directly.
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.