Homeowners Choice Property & Casualty Insurance Company, Inc. is a Florida-based homeowners’ insurance company, headquartered in Tampa, Florida, that provides property and casualty insurance solely to Florida property owners.

Demotech, Inc., a leading actuarial and financial analysis firm, has awarded Homeowners Choice a Financial Stability Rating of “A” (Exceptional). Demotech’s Financial Stability Ratings are designed to indicate the financial stability of a property and casualty insurer.

Homeowners Choice Insurance are regulated by the Florida Office of Insurance Regulation, which oversees the rates, conduct and financial solvency of Florida insurers. Homeowners Choice Insurance seeks to mitigate the risk through a comprehensive reinsurance program by which they transfer substantial portions of our liability and premium to other large insurance companies, including the state-sponsored Florida Hurricane Catastrophic Fund. 

Homeowners Choice Insurance offers Homeowners' Policies

Homeowners' policies insure owner occupied homes and provide coverage for personal possessions and liability.

Flood Coverage is available by endorsement to policyholders. HC FLOOD is an alternative to the NFIP. To learn more about HC FLOOD.

Homeowners Choice Insurance offers Condominium Owners' Policies

Condominium owner policies insure the interior of owner occupied condominium units and provide coverage for personal possessions and liability.

Homeowners Choice Insurance offers Renters' Policies

Renters' insurance policies in Florida insure tenants’ personal property in a home that is rented, rather than owned, such as an apartment and provide coverage for liability.

Homeowners Choice Insurance offers Dwelling Property Policies

Dwelling property policies provide coverage for dwellings which are rented or not owner occupied. Dwelling property policies are generally not as broad in coverage as homeowners' policies.

Why purchase flood insurance?

Damage due to rising water is traditionally not covered by a standard homeowners policy. Homeowners Choice is here to help you with two coverage options! They can provide flood coverage by endorsement to existing homeowners policies, or through a stand-alone policy. Both of the coverage options help to protect your home and personal belongings from flood.

When to purchase flood Insurance?

Flood coverage in Florida with Homeowners Choice is available as soon as a new policy is issued, or at the renewal of your current National Flood Insurance Program “NFIP” policy.

What coverage limits are available?

Homeowners Choice stand-alone flood policies offer building and personal property limits which exceed those of the NFIP. Coverage is available for homeowners located in all flood zones.

Why consider flood coverage with Homeowners Choice?

• An alternative to the rising rates and surcharges with NFIP

• No NFIP 30-Day waiting period

• We offer Replacement Cost and Actual Cash Value options for contents