Florida Family Insurance Company Review 2025

Our Overall Florida Family Insurance Score

2 Stars

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We award Florida Family Insurance a final rating of two out of five stars. The insurance company has just under three decades of experience in the insurance industry, which makes it one of the younger carriers on the market today. Florida Family's “B++” rating from AM Best is noticeably lower than many other carriers’, though it does have an excellent Better Business Bureau (BBB) rating. 

Florida Family Insurance was founded in 1996. Coverage is only available to Florida residents. The insurance company’s original mission was to offer critical coverage for families in need following the devastating storms the state is prone to. Though its presence in the U.S. may be small, the insurance company’s formation filled an important gap in Florida’s disaster relief coverage, as evidenced by 1992’s Hurricane Andrew.

Florida Family Insurance’s coverage is highly limited to the state, but a network of independent insurance agents helps the coverage reach many customers in need within the area. However, customer feedback for the insurance company is largely negative, which makes it tough to determine whether the carrier truly delivers on its coverage promises. 

So, if you're a Florida resident in need of property coverage, we recommend working together with a local independent insurance agent to survey other options to be your next trusted carrier, and perhaps skip looking into Florida Family Insurance. 

Florida Family Insurance Pros and Cons:

Pros:	Cons:
“A+” (excellent) rating by Better Business Bureau (BBB)	Coverage is only available in Florida
Network of independent insurance agents	“B++” (good) rating by AM Best
Offers property and flood insurance	Not much information about claims process
	Negative customer feedback

To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.

Florida Family Insurance Products by Type

Florida Family Insurance is a specialized insurance company that focuses on property coverage. The carrier's coverage offerings include:

Florida Family Insurance Homeowners Insurance

Florida Family Insurance offers all the standard homeowners insurance protections you need, including coverage for your dwelling, personal property, liability, other structures, additional living expenses, and medical payments to others. The carrier also provides a few optional coverage enhancements, including the following. 

Coverage types, features, and benefits:

Contents replacement cost

Florida Family Insurance offers an option to get replacement cost coverage for your contents, or personal property like clothing, furniture, etc., that allows you to replace it with new property at the current market cost, not factoring in depreciation. 

Special personal property

Florida Family Insurance offers optional enhanced coverage for all losses to personal property, excluding a few specifically listed in your policy. 

Scheduled personal property

Florida Family Insurance offers the option to increase coverage limits for specific pieces of valuable personal property, such as artwork, jewelry, electronics, etc.

Water back-up

Florida Family Insurance also offers optional water backup coverage, which can reimburse the homeowner for losses caused by sewer or drain backups and overflows. 

Florida Family Insurance Home Insurance Average Prices

Florida Family Insurance does not make its average homeowners insurance rates readily available online without requesting a quote. However, an independent insurance agent can help you find specific quotes for the exact amount of home insurance you need and also compare quotes from multiple carriers for you. You can get a better idea of how much a home insurance policy might cost you by using our homeowners insurance calculator.

What Discounts Does Florida Family Insurance Offer?

While Florida Family Insurance does not make information about its specific discounts readily available, many insurance companies today offer several common discounts on comparable coverages. These discounts often include:

Your independent insurance agent can help you find more information on exact discounts offered by Florida Family Insurance and other ways to save money through the insurance company, helping you to find the coverage you need at the rate you deserve.

Florida Family Insurance Customer Service

Florida Family Insurance allows customers to report claims via phone or online at any time. The carrier also provides the following customer service options:

The best way to ensure a smooth customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other concerns for you, so you can relax and enjoy your coverage.

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