Florida Peninsula
NAIC #10132 · www.floridapeninsula.com
Florida Peninsula presents itself as a Florida residential property insurer focused on homeowners, condo, renters, and DP-3 / landlord coverage. The website emphasizes local agent access, online quote paths, policyholder support, educational resources, and Florida-specific storm preparedness.
Florida Availability
Statewide via Preferred/Elite, auto-assigned by Program Value
Citizens Relationship
Active Takeout Participant
Property Types
Primary/owner-occupied: Yes – owner-occupied 3+ months/yr; rental exposure makes secondary HO-3 ineligible; Rental: HO-3 rented any period = ineligible (no exceptions, incl. Airbnb). HO-6: rental OK at 2+ consecutive nights w/ mgmt company contract if <monthly; Vacant: New construction OK if completed/occupied within 30 days of effective date; otherwise vacancy not addressed as eligible
Unique Programs
14
Company Overview
Florida Peninsula (FPI) – Preferred is listed in this directory using the legal/OIR carrier record FLORIDA PENINSULA INSURANCE COMPANY, with Florida authorization status shown as ACTIVE and a Florida licensed date of 04/22/2005. For homeowners, the current research points to this profile as best suited for: Auto-assigns lowest eligible tier; major Citizens take-out carrier Florida availability is summarized as: Statewide via Preferred/Elite, auto-assigned by Program Value Key underwriting considerations in the current source data include roof guidance (Composite shingle<=20 yrs; tile/metal<=30 yrs (homes 20+ yrs)), home-age guidance (No flat cap; 20+ yr homes need condition compliance), plumbing considerations, electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: Lapse >30 days (no exceptions except new purchase); trampolines/empty pools; restricted dog breeds; V/VE flood zone HO-3 Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- Auto-assigns lowest eligible tier
- major Citizens take-out carrier
Eligibility Challenges & Hard Stops
Will Decline
- Lapse >30 days (no exceptions except new purchase)
- trampolines/empty pools
- restricted dog breeds
- V/VE flood zone HO-3
Requires Underwriting Review
- V or VE flood zones ineligible HO-3 (HO-4/HO-6 above ground floor exception). Flood endorsement excludes barrier islands, homes near coastline, prior flood losses
- Lapse >30 days = decline (exception: new purchase <=30 days w/ closing docs + No Loss Statement); 3+ mortgagees/felony/misrepresentation = non-bound submission; binding suspended ahead of storm watch/warning
- Akita, Alaskan Malamute, Am. Staffordshire Terrier, Belgian Malinois, Bullmastiff, Chow Chow, Doberman, German Shepherd, Great Dane, Pit Bull, Presa Canario, Rottweiler, Siberian Husky, Staffordshire Bull Terrier, Wolf Hybrid + mixes
THE UNDERWRITING BOX
What Florida Peninsula will and won’t write.
Citizens Connection
Active Takeout Participant
One of the most active Citizens takeout carriers in the state: OIR orders approved takeouts of up to 15,000 policies (2023), up to 40,000 policies (Oct 2025), and up to 15,000 more (Feb 2026). Internal underwriting notes independently describe it as a 'major Citizens take-out carrier.' (Sources: CBS Miami 2023; FIRM, Oct 2025; Florida Realtors, Nov 2025.)
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 2026 (manual); guideline revisions 2013-2025. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.