Which Insurers Are Leaving Florida? The Complete List (2024 Update)
It seems to get worse every month. Another insurer stops. Another bankruptcy. Here is the current status.
It seems to get worse every month. Another insurer stops. Another bankruptcy. Here is the current status.
Stopped Writing New Policies
These insurers are no longer writing new homeowners policies in Florida:
| Insurer | Date | Existing Customer Status |
|---|---|---|
| State Farm | May 2023 | Kept for now |
| Allstate | June 2023 | Kept for now |
| AAA | 2023 | Kept for now |
| Progressive | 2023 | Limited |
| AIG | 2023 | No new |
Completely Left
| Insurer | Date |
|---|---|
| Farmers | July 2023 |
| Bankers Insurance | 2023 |
| Lexington Insurance (AIG) | 2023 |
Bankrupt
| Insurer | Date |
|---|---|
| United Property & Casualty (UPC) | February 2023 |
| FedNat | September 2022 |
| Weston | 2022 |
| Avatar | 2022 |
| Lighthouse | 2022 |
| St. Johns | 2022 |
| Southern Fidelity | 2022 |
Still Active (For Now)
Insurers that are still writing new policies in Florida (status can change):
- Citizens (state-backed)
- Universal Property
- Tower Hill
- American Integrity
- Heritage
- Slide
- TypTap
- Kin
- Security First
- Florida Peninsula
- Homeowners Choice
Note: "Active" does not mean "available to you." Many insurers are selective about which ZIP codes, homes, and roof ages they accept.
Why This Is Happening
The mix of factors:
- Hurricanes — Ian (2022) cost $50+ billion
- Litigation — Florida has 76% of all US homeowners lawsuits
- Reinsurance — Costs up 30-50%
- AOB fraud — Assignment of Benefits abuse
- Roof scams — False claims after storms
Impact On You
What homeowners experience:
- Less choice
- Higher premiums
- Stricter acceptance requirements
- Faster non-renewals
- Citizens as the only option
How To Protect Yourself
Things that some homeowners do:
- Shop now, not when you get non-renewed
- Work with an independent agent (not captive)
- Keep your roof young — this is the #1 factor
- Document wind mitigation improvements
- Consider higher deductibles
See What Homeowners in Your ZIP Code Experience
We collect data from Miami-Dade homeowners. Upload your documents to see patterns from people in your situation.
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