Florida Peninsula Insurance Review & Ratings (2023)

Protect your home with comprehensive coverage tailored to the specific needs of Florida homeowners. Our review covers ratings, claims, cost, billing, and service satisfaction. Compare quotes from top insurance providers in your area to ensure you get the best rates and coverage. Enter your ZIP code now and make an informed decision to safeguard your home and belongings.

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Chris Tepedino

Insurance Feature Writer

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Insurance Feature Writer

Laura Walker

Former Licensed Agent

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Former Licensed Agent

UPDATED: May 24, 2023

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Company Details
Address: 903 NW 65 Street, Suite 200
City: Boca Raton
State: FL
ZIP Code: 33487
Year Founded: 2005

Welcome to our comprehensive guide on Florida Peninsula Insurance. In this article, we will delve into the key aspects of Florida Peninsula Insurance, including coverage options, pricing, customer reviews, and claims handling. If you’re a Florida homeowner looking for reliable insurance, you’ve come to the right place.

To ensure you find the best rates and policies tailored to your needs, we invite you to enter your ZIP code and compare quotes from top insurance providers in your area. Safeguard your home with the right coverage by taking action today.

What does Florida Peninsula homeowners insurance cover?

Florida Peninsula homeowners insurance is a comprehensive policy that includes all of the basics of a typical homeowners insurance policy plus lots of additional coverages. Each policy has property coverage that covers your dwelling and other structures (such as sheds and fences), personal property (such as furniture and clothing), and loss of use to cover living expenses.

The liability portion of the policy includes personal liability in case someone is injured on your property or you damage someone else’s property, as well as medical expense coverage for those who may be injured on your property.

Each policy comes with two different deductibles — a standard deductible and a hurricane deductible. Policyholders can choose between a $500, $1,000, or $2,500 standard deductible, which does not apply to hurricane damage. Hurricane deductibles can be either 2%, 5%, or 10% of the dwelling coverage limit.

Florida Peninsula’s optional coverages include:

  • Animal liability
  • Personal property replacement cost
  • Special increased limits
  • Permitted incidental occupancy
  • Earthquake coverage
  • Scheduled personal property
  • Golf cart coverage
  • Screened enclosure, carport, and awning coverage
  • Identity theft coverage
  • Jewelry and furs increased limits
  • Limited fungi, wet or dry rot, yeast, or bacteria increased limits
  • Silverware increased limits
  • Sinkhole coverage
  • Loss assessment increased limits
  • Water backup and sump overflow
  • Ordinance or law coverage
  • Flood endorsement

Florida Peninsula’s homeowners insurance is available to homeowners in the state of Florida only.

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How much does Florida Peninsula homeowners insurance cost?

The average Florida Peninsula homeowners insurance is higher than other companies. A policy for a $300,000 home could cost around $2,557 per year. To give you an idea of how these rates compare, take a look at the average annual homeowners insurance rates by state:

Average Annual Homeowners Insurance Rates by State
StateAverage Annual Rates
District of Columbia$1,235
New Hampshire$972
New Jersey$1,192
New Mexico$1,017
New York$1,309
North Carolina$1,086
North Dakota$1,253
Rhode Island$1,551
South Carolina$1,269
South Dakota$1,202
West Virginia$940

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As you can see in the table above, the average rate for homeowners insurance in Florida is $1,951 per year. However, as a regional provider of home insurance, Florida Peninsula Insurance Company does not provide competitive rates.

How is the Florida Peninsula homeowners insurance company rated?

Florida Peninsula Insurance Company has a BBB rating of A+. However, after 20 reviews, it only has a 1 out of 5 star rating.

In 2020, Florida Peninsula was ranked one of A.M. Best’s top homeowners insurers based on premiums written in 2019. However, there is no Florida Peninsula insurance rating from A.M. Best that indicates the company’s financial strength.

Florida Peninsula’s NAIC complaint index is 0.90. Compared to the national average of 1.00, this means that Florida Peninsula receives only 90% of the complaints that are expected for a company of its size.

However, customer reviews online share negative stories about Florida Peninsula’s services. Many customers complain of Florida Peninsula canceling their policies either without notice or for seemingly small issues (such as an “unfenced hot tub” that was actually a small kid’s pool filled with water for the afternoon or a canceled claim with a previous insurer who never had to pay). Other complaints include high rates, increasing rates, or denied claims.

How do I get a quote or file a claim?

The only way to receive Florida Peninsula homeowners insurance quotes is to speak with an agent who sells its products. The Florida Peninsula insurance website allows you to search for agents near you. You can also call (877) 549-9672 for help finding an agent and getting quotes.

There are two ways to file a homeowners insurance claim with Florida Peninsula. You can either use your Florida Peninsula insurance login to submit a claim online. Or you can submit a claim over the phone by calling the phone number above or (888) 332-3149 for water claims. In addition, you may be able to receive help from your agent who can use their Florida Peninsula insurance agent login to manage claims.

When you are getting ready to file a claim, you should take pictures of the damage. If you’re able to make temporary repairs to prevent further damage, do so. Finally, keep any receipts from emergency repairs. Florida Peninsula will typically schedule an inspector to review the damage within 72 hours.

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How can I contact Florida Peninsula Insurance Company?

The Florida Peninsula Insurance Company’s website is www.floridapeninsula.com. You can manage most of your policy by logging onto your online account.

The Florida Peninsula customer service phone number is (877) 229-2244 and the customer fax is (866) 923-2926.

Florida Peninsula’s headquarters is located at 903 NW 65 Street, Suite 200, Boca Raton, FL 33487. Payments can be sent to P.O. Box 733996, Dallas, TX 75373. Policy correspondence can be sent to P.O. Box 20207, Lehigh Valley, PA 18002.

Should I buy Florida Peninsula homeowners insurance?

Florida Peninsula Insurance Company prides itself on being able to provide homeowners insurance to Florida. It does its best to understand the risks specific to Florida homeowners, such as hurricanes. However, it doesn’t have the reputation of some larger companies, and its words and actions may not accurately express its love of Florida.

For example, having addresses in Texas and Pennsylvania have raised some policyholders’ suspicions about where the company is truly located. In addition, other customer complaints indicate a gap in customer service and claims processing.

Finally, you may be able to find another insurance company that can offer you lower rates for similar coverage. If you’re unable to find affordable Florida Peninsula homeowners insurance, enter your ZIP code into our free quote comparison tool below.

Frequently Asked Questions

What is Florida Peninsula Insurance?

Florida Peninsula Insurance is an insurance company that provides homeowners insurance in Florida.

Does Florida Peninsula Insurance offer life insurance?

No, Florida Peninsula Insurance does not offer life insurance. They specialize in homeowners insurance.

What types of homeowners insurance does Florida Peninsula Insurance offer?

Florida Peninsula Insurance offers standard homeowners insurance, as well as coverage for condos, renters, and flood insurance.

What is covered under a standard homeowners insurance policy with Florida Peninsula Insurance?s.

A standard homeowners insurance policy with Florida Peninsula Insurance typically covers the structure of the home, personal property, liability protection, and additional living expenses if you’re unable to live in your home due to a covered los

Does Florida Peninsula Insurance offer discounts on homeowners insurance?


Yes, Florida Peninsula Insurance offers a variety of discounts on homeowners insurance, including discounts for bundling multiple policies, installing protective devices in your home, and having a claims-free history.

How do I file a claim with Florida Peninsula Insurance?

To file a claim with Florida Peninsula Insurance, you can call their claims department or file a claim online through their website. It’s important to have your policy information and details about the loss ready when filing a claim.

for Florida Peninsula Insurance Co.

2.27 (28 reviews)
October 26, 2016


Low maintenance

My only experience with my insurance company, other than paying the bill, was one call to customer service to change the car that was on the policy. I never had any other reason to contact them.
October 25, 2016


Low maintenance

I've been with this company for close to 15 years. The only interaction I've had with customer service was to change the car on my policy, which was handled quickly. Other than that, my only interaction is to pay the bill.
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