Patriot Select P&C home insurance in Florida
NAIC #15617 · WWW.PATRIOTSELECT.COM
This page summarizes publicly available information about Patriot Select P&C and general questions to prepare before you ask for a quote. For Patriot Select P&C, 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. Patriot Select P&C 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 2014
NAIC #15617
FEIN not yet verifiedFlorida Availability
Statewide license; HO-3 focus described in public material
Citizens Relationship
Participates in Depopulation
Property Types
Occupancy is 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
None documented
Where Patriot Select P&C Writes Coverage
Statewide, with an HO-3 focus described in public material.
Availability can change by county and program. Confirm current openings with an agent.
Patriot Select P&C is listed under the Florida OIR record PATRIOT SELECT PROPERTY AND CASUALTY INSURANCE COMPANY, with an active Florida license dating to October 2014. Availability is summarized as statewide, with an HO-3 focus described in public material; confirm current forms with an agent. 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 Patriot Select P&C or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Patriot Select P&C. 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 Patriot Select P&C or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Patriot Select P&C
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.
Coverage packages
HO3 | Standard policy; Patriot and Minuteman packages
Patriot Select's public product page describes standard HO3 coverage with optional Patriot and Minuteman enhancement packages. Confirm the selected package and endorsements rather than treating all displayed benefits as part of the base policy.
Public source: Patriot Select, Products and Discounts · 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.
Roof
HO3 | Publicly described roof-age discount
The product page advertises a roof-age discount for HO3 roofs ten years old or newer. That discount criterion is not a maximum insurable roof age and is not evidence that older roofs will be turned away.
Public source: Patriot Select, Products and Discounts · 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.
Inspections
Homeowners; the FAQ does not give a form-specific age trigger
Patriot Select's FAQ says it frequently arranges certified home inspections, usually exterior; an inspection company schedules an interior visit when needed. The FAQ does not establish a specific four-point age trigger.
Public source: Patriot Select, Frequently Asked Questions · 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.
Flood
Homeowners; separate flood coverage
Patriot Select's FAQ states that its homeowners policies do not cover flood damage and points readers to separate NFIP or private flood coverage. Confirm the appropriate flood policy with an agent.
Public source: Patriot Select, Frequently Asked Questions · 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.
Contact
Company contact; not an eligibility rule
Patriot Select's public claims page lists (888) 404-5804 for reporting claims.
Public source: Patriot Select, Claims Center · 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 Patriot Select P&C 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 Patriot Select P&C 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 commercial-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.)
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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
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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.