Florida Family Insurance Company

Florida Family Insurance Company

in Flood Insurance from Florida Family Insurance


Florida Family Insurance Company


in Flood Insurance from Florida Family Insurance

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Financial Strength Rating A-

Florida Family Insurance Company Review

Florida Family Insurance Company is an insurance carrier based in Bonita Springs, FL. The company was founded in 1996 and offers flood insurance in 1 state in the USA. Flooding is the number one natural disaster in the United States. According to FEMA floods cost Americans more than a billion dollars a year. However, standard homeowners insurance policies don't cover flood damage. 

Florida Family Insurance Company FAQ

What types of coverage does Florida Family Insurance Company offer?

Flood insurance includes a variety of coverages. One of the best ways to saving money on your home insurance is to only pay for the coverage you need. There are two main types of flood insurance: policies offered by the National Flood Insurance Program (NFIP) and those provided by private companies, also known as excess flood coverage. Florida Family Insurance Company only offers federal flood insurance policies..

NFIP Flood Coverage: Flood insurance through the National Flood Insurance Progam has two basic policies. One that covers the building property up to $250,000 and one that covers personal property up to $100,000.

  • Dwelling Coverage: Also called dwelling insurance. This is the part of your flood insurance policy that helps pay for the rebuilding or the repair of the physical structure of your home. Federal flood insurance has a maximum coverage of $250,000. If you have a mortgage, your lender may require you to apply for excess flood coverage.

  • Personal Property Protection: This insurance protects the items in your home, like your furniture. If they're damaged or lost, personal property coverage could help you cover the cost of replacing them. Federal flood insurance through the National Flood Insurance Progam maxes out at $100,000. If that doesn't cover the value of your personal property, consider buying excess flood coverage.

Florida Family Insurance Company customers can also add the following riders or endorsements to their home insurance policies:

How can you save money on a Florida Family Insurance Company home insurance policy?

When you ask for a quote with Florida Family Insurance Company, make sure you ask for all the discounts you qualify for. These are the property-specific discounts currently available. 

  • Flood Zone Designation: The Federal Emergency Management Agency (FEMA) creates flood zone maps that estimate the risk of flooding.
  • Freeboard (Property Elevation Above BFE): Homewoners who elevate their homes above the base flood elevations (BFEs) pay lower premiums. For example, adding a 2-foot elevation to a home could reduce your flood insurance premiums by more than $1,000 a year.

    Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with Florida Family Insurance Company.

    What additional benefits does Florida Family Insurance Company offer?

    Florida Family Insurance Company offers the following benefits to its customers:

    What is the financial strength rating of Florida Family Insurance Company?

    The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies.  SuperMoney's financial strength rating is based, among other factors, on the average score from available ratings.

    Florida Family Insurance Company scores an A-. Insurance companies with this score show an excellent ability to cover their insurance responsibilities.


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    Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

    Message From Florida Family Insurance Company

    Peace of mind just got a little more peaceful. We are rated A' Prime by Demotech and B++ by AM Best, making us one of the most financially secure insurance companies in the state. Dedicated to Protecting Your Home. See how our standard of service will be there when you need it the most.


    Hours of Operation

    • Sunday Closed
    • Monday 8:30am - 5:00pm
    • Tuesday 8:30am - 5:00pm
    • Wednesday 8:30am - 5:00pm
    • Thursday 8:30am - 5:00pm
    • Friday 8:30am - 5:00pm
    • Saturday Closed

    About Florida Family Insurance Company


      Available in 1 state
    Availabile in all of Florida

    Feature Breakdown

    Property Discounts
    • Flood Zone Designation
    • Freeboard (Property Elevation Above BFE)
    Home and Renters Insurance
    • Dwelling Coverage
    • Personal Property Protection
    Home and Renters Insurance Riders Flood Coverage (Federal)
    Financial Strength Rating A-
    Carrier Features Paperless Billing

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