Best and Worst Homeowners insurance companies in Florida

Find out who are the Best and Worst Homeowners Insurance Companies in Florida.

Mike Keeler, Public Adjuster in Florida, Rates and Reviews all the major homeowners insurance companies in Florida.

My ratings and review of these companies are based on my individual findings and dealings with these companies when dealing with a Homeowners Insurance Claim.

I rate these companies from A to F.

In addition, I comment on why I graded these companies the way I did based on my experience.

If you have any questions about an insurance company or claim feel free to call or email me.

Mike [phone]

[CJ-ifry]

Thank you for the video! My Universal Property policy just increased by 900 dollars a year in Florida. Am going to try finding a different option tomorrow.

[charliesargent]

Drunk driver went through my garage 15 years ago, damaged my car, garage. Just months before I was thinking of trading in my 2 year old Infiniti, dealer would give me only just under $30K, ($52k new). I thought it could be fixed but State Farm Mutual considered it totaled and paid me $41K, an $11K profit! ASI, paid every penny of the damage (less small deductible) to home and personal property, $40K, work was done promptly and professionally. And my rates stayed steady no increases in premiums. That's why I never bothered switching, people think about a few bucks savings but what about the pay outs in case of problems? You may save a few hundred, even thousand on premiums, but then get cheated thousands or 10's of thousands on claims. SF went up 10-15% this year, but now for the first time I got slammed by ASI, premium just exactly DOUBLED, but I'm sticking with them. No claims since then and no hurricanes here in a few years. Have a home built in '52, not about to go with others who will require inspections, upgrades and who knows what else that could cost thousands. I just emailed DeSantis and told him I'm voting Trump in the primaries instead of him and he better do something ASAP. His new laws, legislation have done S#&T, and I don't like the fact he accepted $4M from insurance lobbyist.

[johnkovac]

Looks like the big trend now in policies is the "right to Replace or Repair". I am dealing with a nightmare of selecting one of three contractors. I relayed to the adjuster that one of their choices for a contractor received about 50% bad reviews of 100 posts. The response was, we do this to benefit you so you don't have hassle of dealing with your own choice of contractor. I asked the adjuster why they are using a subpar contractor and the response was silence. To all those thinking about insurance review your policy for wording "may elect to repair and/or remediate the damaged property".

[Beagleboydexterpooch]

You said Allstate castle key is not doing hurricane and roof but I have a quote that says hurricane deductible. Have they changed?

[tonihollingsworth]

What do you think of the new Tower Hill Exchange? They are not renewing me under my regular Tower Hill policy. Instead I will be renewed under the Exchange. Any thoughts?

[Beagleboydexterpooch]

What do you think of cypress property and casualty insurance company??

[mulekicker]

I just received a rate increase, October I had a storm damage roof replacement, house value approx. $130, 000. How much should I be paying annually in a non-flood zone for 1000 sq. ft?

[salcarceller]

Do you have any input on TypTap Ins? Any claims experience with this company? Thanks in advance.

[Beagleboydexterpooch]

Who do you recommend for new builds in Florida?

[endlesscrap]

They do pay, but they will put you through hell before they pay. It was a very bad experience, they tried to make me into the bad guy after having them for years!

[SambiRuciofficial]

what your experience with car insurance

[MizzTrinity]

People’s trust has stopped my appraisal saying my claim has been sent to legal because I’ve made some repairs. Can anyone give me some advice on what may happen from here?

[ami]

So last year St. Johns went bankrupt. I went with Castle Key at the price was reasonable until I got this years bill and it went up over $500! I am now looking at a new company called VYRD, they seem new like 2021. the price looks good buy I'm concerned because they are such a new company.

[robedwards]

No A's? How do you feel about American Strategic?

[halleannestratton]

Insurance Fraud costs every policyholder $300-$400 per year in increased premiums. Thanks Florida

[chrischeaptech]

Hi I just have a question I am disabled and I can't find affordable insurance for my home do you have any advice for people with disabilities that can't afford to pay high price. Thank you it would mean a lot to me

[ericschumann]

No your attorney do not you your not a lawyer

[loganrobinson]

This didn’t age well…the one you rated the best Fednat went out of business

[bigstickful]

IF YOU ARE FILING LAWSUITS YOUR ARW THE PROBLEM

[alvacook]

I'd like to ask who is the parent company of "True"?
(TRUSTED RESOURCE UNDERWRITERS EXCHANGE PO BOX 5324 BINGHAMTON, NY)

Thanks
AC