FL Home Insurance Companies

State National Insurance Company

State National was founded in 1973 to simplify the complexities of insurance for our clients. From the beginning, our high-quality programs and superior service helped create a unique insurance company that thrives on strong customer relationships and customized solutions to address the nuances of each customer’s business. Their innovative insurance products are the foundation of our Collateral Protection Insurance business. In 1979, State National expanded their products to include a fresh perspective on insurance by assuming control of our first insurance company. Through a strong history of strategic alliances and acquisitions, State National brings together people and technology to remove barriers.

Citizens Insurance

Citizens Property Insurance Corporation was created in 2002 by the Florida state government to provide property insurance for home-owners who could not obtain insurance elsewhere. It is a government-owned, not for profit, insurer of last resort. It was established by the Florida Legislature in Section 627.351(6) of Florida Statutes as a not-for-profit insurer of last resort, headquartered in Tallahassee, Florida, and quickly became the largest insurer in the state.

Olympus Insurance

Olympus Insurance Company has revolutionizing the Florida homeowners’ insurance market. With quality homeowner insurance products, financial strength and superior service, you can be confident that Olympus is here to stay. Their uniquely disciplined organic growth strategy differentiates us from many other Florida insurers. The emphasis on steady, conservative expansion continually strengthens our financial position and enables Olympus to provide the finest possible service to Florida property owners.

Universal Property & Casualty Insurance

Universal Property & Casualty Insurance Company (UPCIC) is a wholly-owned subsidiary of Universal Insurance Holding Company of Florida, a Florida corporation. Universal Insurance Holding Company of Florida is wholly owned by Universal Insurance Holdings, Inc. They provide guidance and lend their expertise to ensure this insurance operation continues to be successful in the property and casualty insurance marketplace. The mission of Universal Property & Casualty Insurance Company and the Red Elephant is to deliver exceptional service and value to you, our customer. We offer smart solutions, financial security and peace of mind. The wisdom of the Red Elephant guarantees that we never forget our most important job, serving our customers. The Red Elephant and Universal Property & Casualty are always ready to stand by your side. Universal Property & Casualty Insurance Company is dedicated to providing unsurpassed service to its agents and our customers. When you call Universal Property & Casualty, you will not talk to a voice mail system. A well-trained representative is ready to help. Underwriters are always available. Universal Property & Casualty is committed to processing all claims quickly and efficiently with every effort made to furnish the client with immediate service.

Universal North America Insurance

Universal Insurance Holdings of North America (UIHNA) is a Delaware domiciled Property and Casualty Insurance Group organized to market Residential Property insurance in North America. UIHNA is a wholly-owned subsidiary of Universal Group in Puerto Rico (UG). UIHNA combines the reputation and financial strength of UG and the local market presence and experience of the North America staff to bring you Universal Insurance Company of North America and Universal North America Insurance Company. Universal Insurance Company is the top writer of personal lines in Puerto Rico and as one of the leading property and casualty insurance companies, controls over 47% of the personal auto market. After more than 25 years on the island of Puerto Rico, in 1992, UIC went on to form part of the local insurance group known today as Universal Insurance Group. Since then, this dynamic organization works continuously on the creation of personal and commercial coverage to insure all your belongings. It is always active in the implementation of the latest technology and quality systems to ensure your total satisfaction. This passion to offer good service, develop new products and continue innovating is what has made Universal a leader. The Property and Casualty Group maintains an “A” (“Excellent”) Financial Stability Rating from A.M. Best, with equity in excess of $300 Million.

Heritage Insurance

With the options of home, condo, rental property, and commercial residential insurance through a large network of experienced independent agents. Our team is committed to providing homeowners with the highest quality property insurance along with some of the most competitive rates in Florida. The management team at Heritage has over 500 years of combined experience in the Florida Homeowners Insurance market. We understand the importance of customer service, which is why our staff is always available to handle any question or claim. We know the importance of getting families back to normal as quickly as possible. Heritage Insurance Holdings, Inc. (Heritage Property & Casualty Company) is a publicly traded company listed on the New York Stock Exchange under the ticker symbol HRTG. For more information, please visit our Investor Relations section.

Tower hill Insurance

In 1972, Tower Hill opened as a small insurance agency in South Florida. Still owned by our founding family, Tower Hill has grown into one of Florida’s largest residential property insurers. Over the years, more than 1.7 million customers have trusted Tower Hill to protect their homes and businesses. The original logo, an edgy design back in the 1970s, was eventually replaced by a sturdy tower atop a hill. Today, they are one of Florida’s largest residential property insurers, represented by more than 850 insurance agencies throughout the state. Tower Hill has been protecting Florida’s home and business owners for nearly half a century.

Federated National Insurance

FNHC is authorized to underwrite, and/or place through our wholly owned subsidiaries, homeowners’ multi-peril (“homeowners”), federal flood, personal auto and various other lines of insurance in Florida and various other states. The Company also serves as managing general agent for its joint venture, Monarch National Insurance Company. The Company markets and distributes its own and third-party insurers’ products and our other services through a network of independent agents. The Company also utilizes a select number of general agents for the same purpose.

Avatar Insurance

Avatar provides stability and security to Florida property owners by offering comprehensive insurance coverage across the state. Avatar grants homeowners insurance, condo insurance, manufactured home insurance, and commercial building insurance. We treat our policyholders' assets as if they were our own. They value the responsibility given to them to repair the assets entrusted to our coverage. Avatar strives to respond to claims within 24 hours and begin making policyholders' property whole again, with no delay. Our mission is to provide quick, effective and efficient service to the reported damage.

ASI Insurance

ASI is one of the 15 largest homeowners insurance carriers in America. While setting big goals, they achieve by paying close attention to the details. They care most about the people and their local communities, and work hard to go above and beyond everywhere they offer coverage. With a passion about insurance and people. ASI believes these two interests go hand-in-hand, which is why we cherish every relationship we create. Our success relies on the combined efforts and impacts of their partners, independent agents, team members and policyholders.

Southern Oak Insurance

Southern Oak Insurance Company is a Florida-based insurance company specializing in personal residential property coverage. It is a privately held company wholly owned and operated by Florida residents with home offices in Jacksonville, FL. The core strength of Southern Oak is its knowledge and understanding of the Florida Property Insurance Market with members of its executive team having over 100 years of insurance experience. Southern Oak Insurance Company has been assigned a Financial Stability Rating® (FSR) of A, Exceptional, from Demotech, Inc. Regardless of the severity of a general economic downturn or deterioration in the insurance cycle, insurers earning a FSR of A possess exceptional financial stability related to maintaining surplus as regards policyholders at an acceptable level. Our financial position is further strengthened by reinsurance companies approved by the Florida Department of Insurance, and with an A.M. Best Financial Strength Rating between “A-“ and “A++”.

Our Location

Deneral Auto Insurance Center
4826 Pembroke Road
Hollywood, FL 33023
T: (954) 440-8203
F: (954) 435-4575

About Us


Our company is your neighborhood independent agent who specializes in personal service. We can help you with a variety of insurance needs; just give us a call, or stop by our office. Or, for savings on auto insurance, click the Get Started button so you can quickly compare and buy auto insurance online from us and Clutch Insurance. Read More... GET STARTED