Florida Peninsula Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Trusted Choice's Florida Peninsula Insurance Company Score
4 Stars
We award Florida Peninsula a final rating of 4 out of 5 stars. With comprehensive property coverage options for Florida residents, Florida Peninsula certainly puts the needs of its customers first. While not rated by AM Best, the carrier has an exceptional financial strength rating by Demotech, Inc., and overall from the Better Business Bureau.
Florida Peninsula was founded in 2005, giving the carrier nearly 20 years of experience in the insurance industry. Florida Peninsula was created to provide important property coverage to families in Florida since the state is prone to numerous natural disasters. Today, the carrier is considered one of Florida’s top 25 largest homeowners insurance companies.
Florida Peninsula offers dozens of policy endorsement options for customers to enhance their property coverage, as well as numerous discounts to help reduce premium rates. Overall, we say that if you’re a Florida resident in need of property coverage, don’t hesitate to ask your independent agent about entrusting Florida Peninsula as your next insurance company.
Florida Peninsula Pros and Cons:
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Florida Peninsula Insurance Products by Type
Florida Peninsula focuses its efforts on property coverage for Florida residents. Its insurance products include:
Home & Property Insurance:
- Homeowners insurance
- Condo insurance
- Renters insurance
- Flood insurance
- DP-3 and landlord insurance
- Identity theft insurance
- Equipment breakdown and service line insurance
Florida Peninsula Homeowners Insurance
Florida Peninsula offers all the standard coverages you'd expect to find in a homeowners insurance policy, including liability, dwelling, contents, and loss of use coverage. The carrier also offers many optional additional coverages, including flood, equipment breakdown and service line, and identity theft. Some additional endorsement options are outlined below.
Coverage types, features, and benefits:
Animal liability
Florida Peninsula offers an optional animal liability endorsement, which can cover up to $2,000 in medical payments and $25,000 in other liability costs, such as for legal defense.
Permitted incidental occupancy
Florida Peninsula's permitted incidental occupancy endorsement covers certain businesses the homeowner runs or houses on their property. These businesses can include studios, offices, or schools.
Earthquake and flood
Florida Peninsula offers optional earthquake and flood coverage to protect your home's structure, additional structures, and your personal belongings from damage or destruction caused by natural disasters, including earthquakes, tsunamis, and hurricanes.
Golf cart
Florida Peninsula offers optional additional coverage for a golf cart. This endorsement can cover a golf cart for up to $5,000 in damage.
Florida Peninsula Homeowners Insurance Average Prices
The average annual cost of a homeowners insurance policy with $300,000 in dwelling coverage in Florida is $2,643 per year. Florida Peninsula's homeowners insurance policies average $2,913 annually, which is slightly higher than the state's average rate.
Here's an overview of the average cost of Florida Peninsula's homeowners insurance policy rates by dwelling coverage amount.
Florida Peninsula Average Annual Homeowners Insurance Cost by Dwelling Coverage Amount
| Dwelling Coverage Amount | Average Annual Policy Premium |
|---|---|
| $100,000 | $983 |
| $200,000 | $1,919 |
| $300,000 | $2,913 |
| $400,000 | $3,980 |
| $500,000 | $5,046 |
What Discounts Does Florida Peninsula Offer?
Florida Peninsula offers several competitive discounts on its coverage. Some of the carrier's homeowners insurance discounts are as follows:
- Security system discount: This is offered to homeowners insurance customers who protect their homes from break-ins by installing security systems such as burglar alarms.
- New roof discount: This is offered to homeowners insurance customers who insure a home with a new roof or upgrade their home’s roof.
- Upgraded plumbing and electrical discount: This is offered to homeowners insurance customers who upgrade their home’s plumbing and electrical systems.
- Smoke alarm discount: This is offered to home insurance customers who install smoke and gas detectors in their homes.
- Hurricane mitigation discount: This is offered to home insurance customers who insure homes that were constructed with wind-resistant materials.
An independent insurance agent can provide better discount information and premium quotes for coverage through Florida Peninsula. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Connect with a Florida Peninsula Agent Today.
Shopping for insurance? Florida Peninsula has you covered.
Florida Peninsula Customer Service
Florida Peninsula allows customers to file claims online at any time. The carrier also provides the following customer service options:
- Online claims reporting
- Phone
- Fax
- Snail mail
- Claims reporting hotline has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 8 p.m. | ||
| Saturday-Sunday | 8 a.m. - 5 p.m. |
Customer service phone department has the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8 a.m. - 5 p.m. | ||
| Saturday-Sunday | CLOSED |
Florida Peninsula sells insurance through a wide network of independent insurance agents. Independent insurance agents can help make customer service easier for you by handling claims and other concerns.
Florida Peninsula Insurance FAQs
Florida Peninsula offers multiple options for customers to file claims, including through the website, fax, snail mail, or over the phone. The insurance company promises to respond to claims within 24-48 hours of filing.
Florida Peninsula offers separate phone lines for general customer inquiries and claims filing. Its customer service hotline is available during standard business hours, Monday through Friday. The claims reporting hotline is available during extended hours Monday-Sunday. The carrier also has an active social media presence on Facebook, X, Instagram, Pinterest, and LinkedIn, making it even more accessible to customers.
Florida Peninsula provides several options for customers to file their claims. Customers can file via phone, fax, regular mail, or online. The carrier breaks down its claims process into five easy steps:
- Claim is received and adjuster assigned: A claim number will be assigned once the customer files.
- Property inspection: The customer will be contacted within 24-48 hours to schedule a property inspection.
- Coverage review: The insurance adjuster will gather important information about the claim, including photo or video documentation of damage.
- Review complete: The claim's final review will be submitted to process.
- Coverage determination and closure: The customer receives a call from the claims adjuster with Florida Peninsula's final decision.
Florida Peninsula’s official website is polished and highly intuitive. Current and prospective customers alike can easily locate pertinent information, and pages are fleshed out well enough to provide satisfying details.
Customer service options such as requesting a quote, online claims filing, and online bill pay are available. The carrier also has an active social media presence. Overall, Florida Peninsula provides a user-friendly experience for insurance customers of all kinds.
Florida Peninsula offers several types of property coverage, but the carrier gets a lot of praise for its comprehensive condo insurance. The carrier's condo insurance policies include the following coverages:
- Dwelling coverage
- Personal property coverage
- Loss of use coverage
- Personal liability coverage
- Medical payments coverage
- Animal liability coverage (add-on)
- Earthquake coverage (add-on)
- Personal property replacement cost (add-on)
- Golf cart coverage (add-on)
- Fungi, yeast, or bacteria increased coverage (add-on)
- Water backup and sump overflow coverage (add-on)
- Permitted incidental occupancy coverage (add-on)
This list of coverage options and endorsements available under Florida Peninsula’s condo insurance is not exhaustive. Your independent insurance agent can help you find out more about Florida Peninsula’s condo insurance, as well as their other coverage offerings.
With the highest possible rating from the BBB, an excellent financial strength rating from Demotech, Inc., and an impressive amount of in-force policies, Florida Peninsula can arguably be considered a good insurance company. The carrier provides modern customer service options such as online claims reporting and online bill pay and offers comprehensive property coverages for all kinds of Florida residents. It’s not hard to see why so many thousands of home and property owners across the state have chosen Florida Peninsula as their coverage provider.
Florida Peninsula's insurance products may be right for property owners and renters in the state of Florida. Residents in Florida can trust Florida Peninsula to offer trustworthy and reliable coverage that comes through when they need it.
A homeowners insurance policy with $300,000 in dwelling coverage costs an average of $2,913 annually from Florida Peninsula. Your policy's rate may vary based on your exact location and other factors.
https://www.floridapeninsula.com/
https://www.policygenius.com/homeowners-insurance/reviews/florida-peninsula-insurance/
https://www.bbb.org/us/fl/boca-raton/profile/insurance-consultant/florida-peninsula-insurance-company-0633-92014144