Homeowners insurance availability in Florida
Florida had the highest non-renewal rate in the country in recent federal data, but the market is now partially recovering: regulators report 20 new property and casualty insurers entering since the 2022-2023 legislative reforms, and Citizens has shed roughly 80% of its 2023 peak policy count.
Carrier availability
We track verified changes to who is writing new homeowners business. A carrier listed as steady has no disruption on record and is generally still writing on its normal terms. Every change links a dated primary source.
| Carrier | Status | As of | Notes |
|---|---|---|---|
| Farmers Insurance | Exited | 2023-07-12 | |
| Progressive | Non-renewing blocks | 2023-10-03 | Home written largely through partners. |
| Auto Club (AAA) Florida | Non-renewing blocks | 2023-07-17 | |
| Heritage | Writing | 2024-08-08 | |
| Orion180 | Writing | 2023-08-22 | Post-reform Florida entrant. |
| Mangrove Property Insurance | Writing | 2025-01-27 | Post-reform Florida entrant. |
| Southern Fidelity | Exited | 2022-06-15 | Liquidated 2022. |
| United Property & Casualty | Exited | 2023-02-27 | Liquidated 2023. |
| Incline National Insurance Company | Writing | 2025-06-27 | Post-reform Florida entrant, approved June 2025. Texas headquartered, writing statewide. |
| Florida Insurance and Reinsurance Company | Writing | 2025-06-27 | Post-reform Florida entrant, approved June 2025. Primarily condominium and condominium association coverage. |
| Viceroy Preferred Insurance Company | Writing | 2025-08-21 | Post-reform Florida entrant, the 15th, approved August 2025. High value homes, initial focus on the east coast. |
| Stand Insurance Exchange | Writing | 2025-09-18 | Post-reform Florida entrant, the 16th, approved September 2025. Tallahassee based, mitigation-first. |
| Praxis Reciprocal Exchange | Writing | 2025-09-18 | Post-reform Florida entrant, the 17th, approved September 2025. |
Steady, no change tracked
State Farm · Allstate · USAA · Liberty Mutual · Travelers · American Family · Nationwide · Chubb · Erie Insurance · Auto-Owners · Mercury Insurance · CSAA (AAA) · Kin Insurance
Insurer of last resort
266,231 policies in force
Down 11,965 from July 31. Read from all 74 unique month-end rows Citizens publishes, oldest June 30 2020, with no August 2021 row, so the series is not continuous and spans 74 published months rather than every month in that range; no superlative is claimed, because that read shows 11,965 is not among the five largest month-over-month moves in the series. This figure published LATE: it was absent from the 2026-09-07 and 2026-09-14 sweeps, roughly two weeks past the August 31 last business day, and appeared by September 21. Note that the 266,231 figure is the August month-end row, not the rolling weekly snapshot the same page also shows (265,387 as of September 11, 2026), which is never appended here.
As of 2026-08-31 · source · full series on the FAIR Plan tracker · compared coast to coast on California vs Florida
Tracked activity in Florida
Florida OIR approves homeowners rate decreases for four insurers covering about 62,000 policies
The Florida Office of Insurance Regulation announced on September 22, 2026 that Commissioner Mike Yaworsky approved homeowners rate decreases, effective at renewal, for four companies: One Alliance North America Insurance Company (-10.4%, 17,148 policies), Safe Harbor Insurance Company (-4.1%, 10,501 policies), Unique Insurance Company (-3.2%, 8,266 policies) and Vyrd Insurance Company (-10.4%, 26,751 policies), which together total 62,666 policies. OIR states that since January 2024, 48 companies have filed for a rate decrease and 53 have requested no change, that further decrease requests are pending review, and that the 30-day average homeowners rate request is -4.8%, against -1.1% one year earlier. Rate approvals attach as history and set no carrier writing status.
Source: Florida Office of Insurance Regulation · verified 2026-09-28
FLOIR announces new property insurers, 20 entrants since reforms
Commissioner Yaworsky announced new property and casualty insurers approved for the Florida market, bringing the total to 20 companies entering since the state’s legislative reforms.
Source: Florida Office of Insurance Regulation press release, May 20, 2026 · verified 2026-07-02
Florida announces Citizens rate reductions and 73 pending rate-decrease filings
FLOIR announced Citizens policyholders receive an average 8.7% rate reduction beginning spring 2026, reported Citizens’ policy count down 50% year over year to 395,144, and cited 73 pending rate-decrease filings statewide with 17 new insurers entering since the reforms.
Source: Florida Office of Insurance Regulation · verified 2026-07-02
Citizens depopulation moves over 546,000 policies to private carriers in 2025
Citizens’ policy count fell from the 2023 peak of about 1.4 million to under 400,000 by late December 2025, with more than 546,000 policies transferred to private takeout carriers during 2025 via approved depopulation rounds.
Source: Citizens Property Insurance Corporation · verified 2026-07-02
Stand Insurance Exchange approved as the 16th post-reform Florida entrant
OIR approved Stand Insurance Exchange, based in Tallahassee, to write Florida fire, homeowners multi-peril, allied lines, inland marine, and other liability. Announced September 18, 2025 alongside Praxis Reciprocal Exchange as the 16th and 17th post-reform entrants. OIR said all new companies since the reforms bring more than $574 million in policyholder surplus.
Source: Florida Office of Insurance Regulation press release, September 18, 2025 · verified 2026-07-20
Praxis Reciprocal Exchange approved as the 17th post-reform Florida entrant
OIR approved Praxis Reciprocal Exchange for the Florida property and casualty market, announced September 18, 2025 alongside Stand Insurance Exchange as the 16th and 17th insurers to enter since the state legislative reforms.
Source: Florida Office of Insurance Regulation press release, September 18, 2025 · verified 2026-07-20
Viceroy Preferred approved as the 15th post-reform Florida entrant
OIR approved Viceroy Preferred Insurance Company, domiciled in Florida, to write homeowners multi-peril and dwelling fire, making it the 15th insurer to enter the market since the state legislative reforms. The company said it would focus on high value homes with an initial geographic emphasis on the east coast of Florida.
Source: Florida Office of Insurance Regulation press release, August 21, 2025 · verified 2026-07-20
Incline National approved to write Florida residential policies
OIR approved Incline National Insurance Company to write Florida allied lines, homeowners multi-peril, inland marine, workers compensation, and private passenger auto. The company is headquartered in Texas and said it intended to offer policies statewide. It was one of two residential approvals announced June 27, 2025, bringing the post-reform total to 14 new companies.
Source: Florida Office of Insurance Regulation press release, June 27, 2025 · verified 2026-07-20
Florida Insurance and Reinsurance Company approved, focused on condominiums
OIR approved Florida Insurance and Reinsurance Company, domiciled in Florida, which said it would primarily write condominium and condominium association coverage plus property coverage for smaller multi-tenant office buildings. Announced June 27, 2025 alongside Incline National. The same release reported Florida domestic property companies posted $944 million in net income at year-end 2024, up from $292 million at year-end 2023 and reversing a $741 million net loss in 2022.
Source: Florida Office of Insurance Regulation press release, June 27, 2025 · verified 2026-07-20
Mangrove approved as tenth new Florida property insurer since reforms
FLOIR granted Mangrove Property Insurance Company a certificate of authority, the tenth new property insurer to enter Florida since the 2022-2023 reforms. Mangrove was later approved to assume roughly 81,000 Citizens policies.
Source: Florida Office of Insurance Regulation · verified 2026-07-02
Heritage resumes writing new Florida personal lines policies
Heritage Insurance Holdings resumed writing new personal lines business in Florida after its December 2022 pullback, citing improved results, stabilized reinsurance markets, and the state’s legislative reforms.
Source: Insurance Journal · verified 2026-07-02
Progressive non-renews about 100,000 Florida property policies
Progressive announced a rebalancing that non-renews roughly 100,000 Florida policies, about 47,000 dwelling-fire and 53,000 high-risk homeowners policies, with notices beginning late December 2023 and replacement coverage offered through Loggerhead Insurance.
Source: Insurance Journal · verified 2026-07-02
Orion180 approved to write property insurance in Florida
FLOIR approved Orion180 Select Insurance Company and Orion180 Insurance Company as the third and fourth new property and casualty insurers approved in Florida in 2023 following legislative reforms, after Tailrow and Mainsail.
Source: Florida Office of Insurance Regulation · verified 2026-07-02
AAA non-renews a share of higher-exposure Florida homeowners policies
Auto Club Insurance Company of Florida said it would not renew a small percentage of higher-exposure homeowners package policies, citing reinsurance costs, while stating it was not exiting the state. AAA held roughly 79,000 residential policies in Florida as of 2022.
Source: Insurance Journal · verified 2026-07-02
Farmers Insurance exits the Florida homeowners market
Farmers stopped writing new home, auto, and umbrella policies in Florida and announced non-renewal of existing Farmers-branded policies, affecting up to 100,000 policyholders. Slide Insurance later took renewal rights for 86,000 of the homeowners policies.
Source: Tampa Bay Times · verified 2026-07-02
United Property and Casualty ordered into liquidation
United P&C, deemed insolvent after Hurricane Ian losses of about $864 million, was ordered into liquidation by the Second Judicial Circuit Court in Leon County; policies were cancelled March 29, 2023 and the state guaranty association activated.
Source: Florida Division of Rehabilitation and Liquidation · verified 2026-07-02
Southern Fidelity Insurance ordered into liquidation
The Second Judicial Circuit Court in Leon County ordered Southern Fidelity Insurance Company into receivership for liquidation; policies for roughly 98,000 policyholders across FL, MS, LA, and SC were cancelled effective July 15, 2022.
Source: Florida Division of Rehabilitation and Liquidation · verified 2026-07-02
Non-renewed or can’t find coverage?
You have more options than the cancellation letter suggests: deadlines to act, the state’s last-resort program, and carriers that specialize in hard-to-place homes.
The Florida non-renewal playbook