Last Updated: 04/18/2025
Gulfstream Property & Casualty Insurance Company
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Last Updated: 04/18/2025
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Financial Strength Rating
A+(Verified 04/18/2025)
Gulfstream Property & Casualty Insurance Company Review
Gulfstream Property & Casualty Insurance Company is an insurance carrier based in Sarasota, FL. The company was founded in 2004 and offers flood insurance in 6 states 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.
Gulfstream Property & Casualty Insurance Company FAQ
What types of coverage does Gulfstream Property & Casualty 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. Gulfstream Property & Casualty 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.
Gulfstream Property & Casualty Insurance Company customers can also add the following riders or endorsements to their home insurance policies:
How can you save money on a Gulfstream Property & Casualty Insurance Company home insurance policy?
When you ask for a quote with Gulfstream Property & Casualty Insurance Company, make sure you ask for all the discounts you qualify for.
- 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 Gulfstream Property & Casualty Insurance Company.
What additional benefits does Gulfstream Property & Casualty Insurance Company offer?
Gulfstream Property & Casualty Insurance Company offers the following benefits to its customers:
What is the financial strength rating of Gulfstream Property & Casualty 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.
Gulfstream Property & Casualty Insurance Company scores an A+, SuperMoney's highest available rating.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed