Homeowners Choice home insurance in Florida
NAIC #12944 · WWW.HCPCI.COM
This page summarizes publicly available information about Homeowners Choice and general questions to prepare before you ask for a quote. For Homeowners Choice, 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. Homeowners Choice 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 2007
NAIC #12944
FEIN not yet verifiedFlorida Availability
Not yet verified
Citizens Relationship
Participates in Depopulation
Property Types
Not yet verified
Unique Programs
None documented
Where Homeowners Choice Writes Coverage
Homeowners Choice 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.
Homeowners Choice is listed under the Florida OIR record HOMEOWNERS CHOICE PROPERTY & CASUALTY INSURANCE COMPANY, INC., with an active Florida license dating to May 2007. 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. The carrier participates in Citizens' depopulation program; our Citizens Insurance guide explains what a depopulation offer means for your policy.
Key Takeaways
General Eligibility Considerations
What to confirm with Homeowners Choice or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Homeowners Choice. 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 Homeowners Choice or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Homeowners Choice
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 Homeowners Choice 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 Homeowners Choice 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
Participates in Citizens’ Depopulation Program
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.)
Explore All Florida Carriers
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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 Homeowners Choice 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.