Compare Florida home insurance carriers
This tool compares published information. It does not provide a quote or confirm eligibility. Missing information does not mean the insurer has no requirement. It covers every carrier profile currently published in the directory.
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Entries are limited to statements from linked, dated public sources. “No current public rule identified” means we found no public source on that question, not that the answer is no, and not that the carrier has no internal rule. Requirements can change and must be confirmed for the current form, address, and effective date with the carrier or an appointed Florida-licensed agent.
What the labels mean
Read the explanation below each label. It shows what we found and what still needs confirmation.
Underwriting guidance is written as prose, not as a spec sheet. To make it comparable we tag each answer with one of four labels: public material indicates availability, public material indicates conditions or review, public material states unavailable for the identified program, or no current public rule identified, and then show a paraphrase of the linked public material directly beneath it.
Read the wording. “Conditions or review” can cover everything from a small surcharge to unavailability on one policy form and availability on another, and only the carrier can say which applies to your home.
This directory is a research tool operated by a Florida-licensed insurance agency. Compare results are educational and are not offers of coverage.
Examples from the reviewed public materials
Carrier-specific statements now live on each carrier’s profile, in its Public Information section, with the source link and date beside each fact. Below is general market context drawn from multiple public examples, not any single carrier’s rule.
General market context
Shingle roofs often receive closer review at roughly 15-20 years, and tile or metal roofs around 25-35 years. Older homes commonly face inspection requests, often when the home is roughly 20-40 years old. Carriers commonly review roughly the prior 3-5 years of claims. These are educational ranges combined from multiple market examples, not a cutoff used by every carrier.
Exact carrier-specific figures appear on this site only when they can be tied to a linked, dated public source. You can find them on each carrier profile and in the eligibility guides. Where no public source exists, the page says “no current public rule identified” rather than an assumed answer.