Florida Family Insurance Company Review

Florida Family Insurance Company at a Glance

  • Founded in 1996
  • Coverage available in the state of Florida
  • Specializes in property insurance
  • Also offers flood insurance
  • “B++” (good) rating by A.M. Best
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • Strong financial stability
  • Online claims reporting
  • 24/7 claims reporting
  • Network of independent insurance agents

Florida Family Insurance Pros: Carrier has more than two decades’ worth of experience in the insurance industry. Offers property coverage and flood coverage. Works with independent insurance agents. Good ratings through A.M. Best and the BBB. Low volume of customer complaints. Offers 24/7 claims reporting. Strong financial stability.

Florida Family Insurance Cons: No official claims response timeframe promise. Coverage highly limited to the state of Florida. Customer feedback is mixed.

What Type of Insurance Does Florida Family Insurance Offer?

Florida Family Insurance is a specialized insurance company that focuses on property coverage. Their coverage offerings include:

  • Homeowners insurance
  • Condo insurance
  • Rental property insurance
  • Flood insurance

If you’re a Florida resident on the hunt for any of these types of coverages, Florida Family Insurance may be just the right insurance company for you.

What to Know About Florida Family Insurance

Florida Family Insurance was founded in 1996, giving the carrier just over two decades’ worth of experience in the insurance industry today. 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 their presence in the US 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.

Today, Florida Family Insurance is reportedly among the highest rated Florida homeowners insurance companies, in terms of financial strength. A.M. Best places them in the $50-$100 million financial size category. The carrier’s LinkedIn page states that they currently have between 51-200 employees. Florida Family Insurance also works with a team of independent insurance agents to help deliver their products to customers in need with a more personalized, comprehensive experience.

Thanks to its multiple decades’ of experience and strong financial ratings, Florida Family Insurance has earned a reputation as a financially stable insurance company that’s projected to be around for many years to come. A.M. Best, the leading global credit rating agency monitoring the insurance industry, gives Florida Family Insurance an “B++” rating, indicating the carrier is a good choice for insurance customers. A solid rating from A.M. Best assures customers that Florida Family Insurance is capable of offering guaranteed, secure coverage from a trustworthy and reputable carrier.

Established in 1899, A.M. Best is one of the oldest rating companies in the world. Reviews from A.M. Best indicate an insurance company’s financial strength and creditworthiness, and are based on comprehensive evaluations of the company’s operating performance, business profile, and balance sheet. For customers who aren’t as familiar with insurance companies’ respective reputations, A.M. Best’s ratings system allows them to make an informed decision about who they can trust to meet their needs in the short term, and also to remain a strong, financially sound company in the long term.

What Discounts Does Florida Family Insurance Offer?

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

  • Sprinklers system discount: Offered to homeowners insurance customers who protect their home from potential fires by installing sprinklers systems. 
  • Security system discount: Offered to homeowners insurance customers who protect their home from break-ins by installing security systems such as burglar alarms. 
  • New home discount: Offered to homeowners insurance customers who purchase their homes brand-new. 
  • Upgraded roof discount: Offered to homeowners insurance customers who upgrade their home’s roof. 
  • Upgraded plumbing discount: Offered to homeowners insurance customers who upgrade their home’s plumbing systems. 

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:

  • Online claims reporting.
  • Phone claims reporting.
  • Fax claims reporting.
  • Snail mail contact option.
  • General contact inquiries form through the website.
  • Main customer service hotline has the following hours restrictions:


Hours (EST)


Monday-Friday9 am - 5 pm

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.

Florida Family Insurance FAQ

What is Florida Family Insurance's average claim response timeframe?

Florida Family Insurance allows customers to file claims through multiple avenues, including phone, by mail, through fax, or through the website. However, the carrier does not provide an official claims response timeframe promise.

What is Florida Family Insurance's customer service availability?

Florida Family Insurance allows customers to file claims at any time online, over the phone, or through fax or snail mail. Their main customer service hotline is available at restricted hours, Monday-Friday. The carrier also has a social media presence on Facebook and LinkedIn, making them a bit more accessible to customers.

What is Florida Family Insurance's claims process?

Florida Family Insurance makes claims filing simple for its customers. The official website outlines their claims process as follows:

“Claims Process

At Florida Family, we understand that every claim is unique. Our insurance claims process can help resolve your claim as quickly and efficiently as possible through a number of easy steps.

You can report your insurance claim a number of ways:

  • Online
  • By phone: (888) 486-4663
  • Through your agent (you can find the phone number for your agent on your declarations page)

Once your insurance claim is reported, you will be issued a claim number.

You will be contacted by one of our professional claims representatives. If necessary, they will schedule an appointment with you to inspect your damages. Your assigned insurance claims representative will be able to answer all your questions concerning your Florida claim and associated damages.

For most claims, the claims representative will meet you at your home, take photographs of your damages, and write a repair estimate. During this time, please provide any receipts or invoices for any temporary repairs you may have made. A great majority of insurance claims are settled on the initial inspection, saving you time and allowing you to start the repair process right away.

If needed, the insurance claims representative will direct you to a contractor that can repair your home. For larger losses, the claims representative may need to involve other professionals, such as an engineer. A report will be sent to the insurance claims department for review and payment.”

Customers can call the insurance company to check on the status of a claim once it’s been filed, or get in touch with their independent insurance agent.

Does Florida Family Insurance create a user-friendly experience for customers?

Florida Family Insurance’s official website certainly isn’t the most attractive compared to other carriers’, but it is easy to navigate. Important information is simple enough to find, and detailed thoroughly for prospective and current customers. The insurance company provides a claims FAQ, which is extremely helpful for first-time claim reporters. The official website also allows customers to match with an agent and request quotes. Combined with their social media presence, overall Florida Family Insurance does provide a user-friendly experience for its customers.

Does Florida Family Insurance have good homeowners insurance?

Florida Family Insurance specializes in property insurance for residents of the state, and is mostly known for its homeowners coverage. Florida Family Insurance’s homeowners policies provide the following coverages:

  • Fire, lightning, theft, and windstorms for the main structure
  • Other structures coverage
  • Personal property coverage (i.e., possessions)
  • Additional living expenses
  • Personal liability coverage
  • Medical payments coverage
  • Replacement contents coverage (add-on)
  • Special personal property and valuables coverage (add-on)
  • Water back-up coverage (add-on)

Your independent insurance agent can help you find out more about Florida Family Insurance’s homeowners insurance policies, as well as their other products.

Is Florida Family Insurance a good insurance company?

Florida Family Insurance has received good ratings through both A.M. Best and the BBB and has solid financial strength. The carrier also provides many customer service contact options, which is respectable. However, customer reviews for the carrier are mixed. Some folks report positive experiences with both the insurance company and their coverage, while others detail miserable encounters and frustrations. So, it may be up to individual interpretation whether or not Florida Family Insurance can be considered a good insurance company.

Florida Family Insurance Customer Reviews

Clearsurance
“Amazing company for both claims and customer service. I have nothing but glowing reviews from my personal interaction. Had an odd incident and Florida Family was both helpful and responsive. Don't believe the negative trolls of the Internet, this company is uber concerned with taking great care of clients.”


Clearsurance
“Great company. They have a deal of great products but their prices are outrageous and customer care is not good.”


Google
“Florida Family has been synonymous with quality claims and fair pricing for over 20 years. In the 15 years I have personally dealt with Florida Family I have had nothing but positive experiences with claims and customer service. In a chaotic Florida insurance climate Florida Family stands strong in the face of adversity and makes good on their promise of coverage. Kudos to the entire team.”


Clearsurance
“As a citizen of Florida, I realized that I needed some kind of hurricane insurance. Yes, I was told that my windows are hurricane resistant, but better to be safe than sorry. So, I did take the chance and settled for this insurance. Perhaps maybe on the next review I can say more, but as of right now I have no complaints.”


Yelp
“Do not use this insurance, my son was being charged with a crime and the case wasn't even finished and they settled out of court against my wishes. I told them my son didn't commit this crime and he was found innocent later. The email I got from their rep. was, "You only have a maximum of $100,000 and a law suit could cost more." They are worried about their pockets, not you. They raised my rate and then dropped me saying I'm a liability. When I asked them how I'm a liability, they sent a message asking me to call customer service. I give them 0 stars. I am looking for a lawyer to sue them!”


TrustedChoice.com's Final Review

We award Florida Family Insurance a final rating of 3.5 out of 5 stars. The insurance company now has just a bit over two decades’ worth of experience in the insurance industry, which makes them one of the younger carriers on the market today. The carrier has received respectable financial ratings, but their “B++” through A.M. Best is noticeably lower than many other carriers’. 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. The insurance company’s official website also provides many important services insurance customers today rely on, such as getting matched with an agent or filing claims online. However, customer feedback for the insurance company is mixed, which makes it tough to determine for sure whether or not the carrier truly delivers on their coverage promises. So, if you’re a Florida resident in need of property or flood coverage, we say go ahead and explore Florida Family Insurance as an option. Just make sure to work with your independent insurance agent to review your other options, as well.

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