Florida Peninsula Insurance Company Review

Pros, cons and all you need to know.
Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.


Florida Peninsula Insurance Company at a Glance

  • Founded in 2005
  • Offers property coverage to Florida residents
  • Also offers flood coverage endorsements
  • “A+” (excellent) rating by Better Business Bureau (BBB)
  • One of Florida’s largest homeowners insurers
  • Wide network of independent insurance agents
  • Flexible deductible options
  • Numerous endorsements available
  • Online claims reporting
  • Strong financial stability

Florida Peninsula pros: This carrier has more than 15 years worth of experience in the insurance industry. It has the highest possible rating from the BBB and a high volume of glowing customer feedback. It offers online bill pay, online claims reporting, and several property coverages including homeowners and renters insurance, and condo insurance. It has a large network of independent insurance agents, offers a wide variety of endorsements on policies, and has strong financial stability.

Florida Peninsula cons: Its coverage is only available in Florida, and is not rated by A.M. Best.

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.

What Type of Insurance Does Florida Peninsula Offer?

Florida Peninsula focuses their efforts on property coverage for Florida residents. Their insurance products include:

  • Homeowners insurance
  • Condo insurance
  • Renters insurance
  • Flood coverage

If you’re a Florida resident in the market for any of these important coverages, Florida Peninsula may be just the right insurance company to meet your needs.

What to Know about Florida Peninsula

Florida Peninsula was founded in 2005, giving the carrier more than 15 years worth of experience in the insurance industry today. Since its inception, the insurance company has written policies for more than 30,000 families in the state. Today, the carrier is considered one of Florida’s top 25 largest homeowners insurance companies.

Florida Peninsula was created to provide important property coverage to families in Florida, since the state is prone to numerous natural disasters. The carrier’s homeowners insurance policies provide replacement cost coverage for homes destroyed by hurricanes, which is a big deal for Florida residents. Hurricane deductibles are also flexible, allowing customers to choose amounts as low as 2% of their total coverage limit.

The insurance company is known for providing endorsements for flood coverage, which is a perk not provided by most homeowners insurance companies. Florida Peninsula also has a comprehensive condo insurance policy which provides a much fuller picture of coverage than most other carriers’ condo insurance policies. All kinds of property owners and renters across the state are able to comfortably protect their homes thanks to Florida Peninsula’s coverage.

Today, Florida Peninsula reportedly insurers more than 149,000 properties throughout Florida. The insurance company has a large network of more than 2,500 independent insurance agents, which help customers find the coverage they really need by providing a more personalized and complete experience. Further, the insurance company has the highest possible rating through the BBB, indicating their dependability as a business.

What Discounts Does Florida Peninsula Offer?

While Florida Peninsula 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:

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

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


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 claims reporting
  • Fax claims reporting
  • Snail mail contact option
  • Email contact option
  • Customer service and claims reporting hotlines have the following hours restrictions:

Hours (EST)

Monday-Friday 8 am - 5 pm

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 FAQ

What is Florida Peninsula's average claim response time frame?

Florida Peninsula offers multiple options for customers to file claims, including through the website, fax, through snail mail, or over the phone. The insurance company promises to respond to claims within 24 hours of filing, and send an inspector to the property within 72 hours.

What is Florida Peninsula's customer service availability?

Florida Peninsula offers separate phone lines for general customer inquiries and claims filing. Both their claims reporting hotline and customer service hotline are available at restricted hours, Monday through Friday. The carrier also has an active social media presence on Facebook, Twitter, and LinkedIn, making them even more accessible to customers.

What is Florida Peninsula's claims process?

Florida Peninsula provides several options for customers to file their claims. Customers can file via phone, fax, regular mail, or online. The official website breaks down their claims process into a few simple steps, as follows:

Make your claim

  • Report your claim online or over the phone.
  • Take pictures of the damage if possible.
  • If safe to do so, make temporary repairs, as necessary, to prevent further damage and protect your property and family.
  • Keep detailed receipts and present them to our adjuster.
  • If you have flooding damage, please contact your flood carrier for assistance.
  • Customers can keep in touch with their independent insurance agent or call the carrier to stay updated on a claim’s progress after filing.

Next steps

A licensed adjuster will contact the insured within 24 hours to schedule an appointment to survey and adjust the damage.

Tracking a Claim

Once a claim is open, tracking is easy and may be done from the comfort of your home. Simply log on to the insured portal, or create an account if you haven't already done so. Through our insured portal, policyholders will be able to view the status of a claim, as well as policy documents, make payments online, and much more. Tracking a claim can also be done by contacting us directly at (866) 549-9672 to speak with one of our Claims Concierges.”

Does Florida Peninsula create a user-friendly experience for customers?

Florida Peninsula’s official website is polished and visually appealing, and it’s also 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 quite a user-friendly experience for insurance customers of all kinds.

Does Florida Peninsula have good condo insurance?

Florida Peninsula offers several types of property coverage, but the carrier gets a lot of praise for their comprehensive condo insurance. Their 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.

Is Florida Peninsula a good insurance company?

With the highest possible rating from the BBB, solid financial strength, 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 Customer Reviews

5 Stars
“I had a water pipe break in my bathroom and I couldn't have been more pleased with the response from FL Peninsula and the work done to get me up and running. I had a $1,000 deductible which hurt, but quickly changed it to a $500 deductible for only a small amount more.”
5 Stars
“We cannot say enough great things about Florida Peninsula insurance and your excellent customer service. Being a first time homebuyer, owning the property for nineteen years, I was nervous about the process of filing my first claim. When we first purchased our home back in 2000, we never thought about having to place a claim. Florida Peninsula has been great throughout the entire process.”
5 Stars
“Excellent experience. Excellent rate. Claims handled efficiently and promptly. Inspectors came out promptly.”
5 Stars
“After a lot of comparisons, we finally found the right provider. We get the most coverage for the amount of premiums we pay.”
5 Stars
“We recently did some improvements to our home and needed to adjust our insurance policy to reflect these changes. The representative was very helpful and made this very easy with a quick interview over the phone and an email confirmation. So very easy to work with and quick turn around on policy changes.”

TrustedChoice.com's Final Review

5 Stars

We award Florida Peninsula a final rating of 5 out of 5 stars. Though the insurance company is one of the younger carriers on the market today, that doesn’t seem to matter much given the high volume of customer satisfaction noted across the web. With comprehensive property coverage options for Florida residents, Florida Peninsula certainly puts the needs of its customers first. The carrier provides modern customer service options such as online claims reporting and online bill pay, and promises to respond to claims within 24 hours and send an inspector to the property within 72 hours. That kind of prompt response and commitment to delivering on coverage certainly puts Florida Peninsula among the top choices for reputable insurance companies right off the bat. Having the highest possible rating from the BBB doesn’t hurt either. So, 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.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn