Florida Home Insurances

People’s Trust

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People’s Trust

NAIC #13125 · WWW.PEOPLESTRUSTINSURANCE.COM

People's Trust appears to focus on Florida homeowners insurance with an emphasis on policyholder self-service, homeowner education, hurricane preparedness, flood insurance education, discounts, and a distinctive repair/response service model.

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Active & FL-Licensed Since 2008 NAIC #13125 FEIN not yet verified Property and Casualty Insurer

Florida Availability

Statewide except barrier islands

Citizens Relationship

Active Takeout Participant

Property Types

Primary/owner-occupied: Yes, 10% surcharge; occupied >3 months total (not required consecutive); Rental: HO-3: No (owner-occ only) | Basic Choice (DP): Yes; daily short-term/foot-traffic rental ineligible; Vacant: Not addressed – HO-3 is owner-occupied primary/seasonal only per product grid

Unique Programs

6

Company Overview

People's Trust Insurance (PTI) is listed in this directory using the legal/OIR carrier record PEOPLE'S TRUST INSURANCE COMPANY, with Florida authorization status shown as ACTIVE and a Florida licensed date of 03/06/2008. For homeowners, the current research points to this profile as best suited for: Carrier does its own in-house inspections – distinguishing feature Florida availability is summarized as: Statewide except barrier islands Key underwriting considerations in the current source data include roof guidance (Shingle/flat/cedar<=15 yrs; tile/metal<=25 yrs (final roof permit only)), home-age guidance (Historical/designated homes ineligible), plumbing considerations, electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: Barrier islands; historical homes; roof-over/overlay; solar roofs; 2+ non-weather claims Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.

People’s Trust service area in Florida

Contact & Claims

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: Claims Center; Claims Reporting / Loss Guidance; Discounts / Eligibility Clues; Homeowners Coverage; Online Claims Reporting; Wind Mitigation Discount.
Note: Business use with customer foot traffic makes a property ineligible; storage-only business use without foot traffic is acceptable.
Claims Center ↗
Discounts Not available
FAQs Not available
Find an Agent Not available
Hurricane & Storm Prep Not available

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

Best Fit Homeowner

  • Carrier does its own in-house inspections – distinguishing feature

Eligibility Challenges & Hard Stops

Will Decline

  • Barrier islands
  • historical homes
  • roof-over/overlay
  • solar roofs
  • 2+ non-weather claims

Requires Underwriting Review

  • Open foundation accepted up to 3 ft; concrete pilings OK; other foundations require UW referral
  • Barrier islands, historical homes, mobile homes (modular OK), 8+ unit townhouse buildings = instant decline; >45 days no-prior = No Prior surcharge
  • No published breed list, but bite history = ineligible; animal liability excluded by default on all products
THE UNDERWRITING BOX

What People's Trust will and won’t write.

Max Roof AgeShingle/flat/cedar shake <=15 yrs | Clay/concrete tile/metal <=25 yrs – verified via FINAL ROOF PERMIT ONLY
Roof Type RulesRoof-over/overlay = ineligible (instant decline); solar roofs = ineligible (instant decline)
Home Age LimitHistorical/designated homes = ineligible (instant decline)
Flood ZoneOpen foundation accepted up to 3 ft; concrete pilings OK; other foundations require UW referral
4-Point InspectionPTI uses its own proprietary inspection rather than a standard 4-point; outside 4-points accepted only as supplemental
Wind MitigationClass A wind mit auto-applied for homes built after March 2012 in 20 named coastal counties
PlumbingPolybutylene: Acceptable w/ mandatory water exclusion (no buyback); Galvanized: <=15 yrs inside the home (garage/non-living areas no age req); subject to UW review; Copper: Not mentioned (no restriction stated). Plumbing eligibility may depend on age, condition, updates, and any applicable water-damage exclusions.
ElectricalElectrical restrictions: 100-amp minimum main panel; Aluminum wiring: Subject to UW review (not automatic decline); FPE/Zinsco panels: Not separately itemized (100-amp min panel); FPE panel: Not separately itemized; panels reviewed on condition (100-amp min); Zinsco panel: Not separately itemized – see FPE Panel field; Knob and tube: Subject to UW review (not automatic decline). Electrical eligibility may depend on panel type, wiring condition, updates, and inspection results.
OccupancyPrimary/owner-occupied: Yes, 10% surcharge; occupied >3 months total (not required consecutive); Rental: HO-3: No (owner-occ only) | Basic Choice (DP): Yes; daily short-term/foot-traffic rental ineligible; Vacant: Not addressed – HO-3 is owner-occupied primary/seasonal only per product grid
Rental PropertyHO-3: No (owner-occ only) | Basic Choice (DP): Yes; daily short-term/foot-traffic rental ineligible
Dog Breed / LiabilityNo published breed list, but bite history = ineligible; animal liability excluded by default on all products

Citizens Connection

Active Takeout Participant
Approved by the Florida OIR among nine companies selected for Citizens takeout assumption rounds scheduled February-April 2026. (Source: Florida Realtors, Nov 2025.)

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Florida Citizens Guide overview

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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

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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. This carrier’s underwriting/rate manual on file was last revised: 04/01/2026 (Snapshot); 04/2025 (Comparison). Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.