Florida Home Insurances

Manatee Insurance Exchange

Home›Carriers›Manatee Insurance Exchange

Manatee Insurance Exchange

NAIC #17580 · HTTPS://MANATEE-INSURANCE.COM/

Manatee Insurance Exchange appears to be a valid Florida property-focused reciprocal exchange with homeowner, dwelling fire, personal flood, claims, resource, inspection, and agent-distribution content. This corrected crawl is usable for the Florida Home Insurance Intelligence Database, unlike the earlier wrong-source crawl.

Visit Official WebsiteFind an Agent
Active & FL-Licensed Since 2024 NAIC #17580 FEIN not yet verified Reciprocal

Florida Availability

Not yet verified

Citizens Relationship

Active Takeout Participant

Property Types

Not yet verified

Unique Programs

12

Company Overview

Manatee Insurance Exchange is listed in this directory using the legal/OIR carrier record MANATEE INSURANCE EXCHANGE, with Florida authorization status shown as ACTIVE and a Florida licensed date of 02/02/2024. For homeowners, the current research points to this profile as best suited for: No documents on file Florida availability is summarized as: Florida availability not specified in the current source documents. Detailed underwriting/appetite guidance is limited in the current source documents and should be verified before quoting or placing coverage. Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.

Manatee Insurance Exchange service area in Florida

Contact & Claims

☎Customer Service & Claims: (866) 347-5131◯MANATEE-INSURANCE.COM
○24/7 Emergency Claims Contact: Not available

Related Citizens Topics

Active Takeout Participant — see this carrier’s full Citizens Connection below.
Citizens Property Insurance Guide →
This carrier’s Citizens Depopulation page: Not available

Helpful Resources & Programs

Unique Programs: Claim Status Tracking; Claims Center; Coastal Property Specialist; Dwelling Fire Program; Equipment Breakdown Coverage; Flood Coverage; Homeowners Program; Inspection Program; Mini-Farm Endorsement; Online Claims Reporting; Personal Flood Program; Water Claim Resource Center.
Claims Center ↗
Discounts Not available
FAQs Not available
Find an Agent Not available
Hurricane & Storm Prep Not available

Links go to MANATEE-INSURANCE.COM, the carrier’s own site. Photo is a placeholder stock image, not this carrier’s actual service area.

Best Fit Homeowner

  • No documents on file

Eligibility Challenges & Hard Stops

  • Specific eligibility challenges and hard-decline criteria are not fully documented in the current source materials for this carrier.
THE UNDERWRITING BOX

What Manatee Insurance Exchange will and won’t write.

Max Roof AgeNo specific roof-age or roof-type guidance is currently on file. Roof condition, age, type, and remaining useful life should be reviewed with the carrier before relying on eligibility.
Home Age LimitNo specific home-age threshold is currently on file. Older homes may require additional review of roof, plumbing, electrical, HVAC, and inspection documentation.
Flood ZoneFlood-zone guidance is not fully specified in the current source documents. Separate flood insurance requirements may apply based on lender, location, or carrier rules.
PlumbingPlumbing guidance is not fully specified in the current source documents. Older plumbing systems may require review, inspection, documentation, or coverage limitations.
ElectricalElectrical guidance is not fully specified in the current source documents. Older panels, wiring methods, or discontinued panel brands may require inspection, updates, or underwriting review.
OccupancyProperty type guidance not specified in the current source documents.
Dog Breed / LiabilityDog or breed guidance is not fully specified in the current source documents. Animal liability restrictions can vary by carrier and policy form.

Citizens Connection

Active Takeout Participant
Approved for Citizens takeouts of up to 65,000 policies (Feb 2026) and a commercial-lines round (Nov 2025). Operates as the reciprocal-exchange affiliate of Safepoint Insurance, which is also an active Citizens participant. (Sources: Florida Realtors, Nov 2025; FIRM, Oct 2025.)

Explore the Citizens Hub
Florida Citizens Guide overview

Other Carriers to Compare

Monarch National
View Profile
Orchid
View Profile
Ovation Home Insurance Exchange
View Profile
Guides to Check Out 01 / 5
Florida Homeowners GlossaryGUIDEFlorida Homeowners GlossaryClaims Process GuideGUIDEClaims Process GuideHomeowner Inspections GuideGUIDEHomeowner Inspections GuideFlorida Homeowners Insurance GuideGUIDEFlorida Homeowners Insurance GuideTOOLSHomeowner Tools

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 Agent

This 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. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.