Business Details
30 Years
experience
Emergency
services
Your Trusted Florida Home Insurance Provider
Florida Family Insurance has been dedicated to protecting Florida homeowners since 1996. Our two corporate offices in Jacksonville and Bonita Springs position us as neighbors to our clients, allowing us to deeply understand the unique needs of Florida property owners. With over 25 years of experience, we combine in-depth market knowledge with a culture of caring to deliver dependable, personalized service. Our team of professionals, including claims adjusters with decades of industry experience, ensures swift claims resolution, often settling cases on the first visit.Backed by strong financial ratings from AM Best and Demotech, we maintain a 97% customer service response rate within 30 seconds and a 96% policyholder renewal rate. Our leadership team, with over 150 combined years in property insurance, drives our commitment to simplifying coverage while maintaining the highest standards for claims response and customer satisfaction. We operate with conservative investments and robust reinsurance programs, ensuring long-term stability even during active hurricane seasons.
Services
Homeowners Insurance
Condo Insurance
Rental Property Insurance
Flood Insurance
Claims Service
Details
- Year established: 1996
Highlights and features
- We've protected Florida homes since 1996 with 25+ years of local market expertise
- Our 97% customer service response rate ensures prompt assistance
- 96% policyholder retention reflects consistent satisfaction
- Claims settled on first visit by experienced adjusters statewide
- Backed by AM Best and Demotech financial strength ratings
Associations and certifications
- AM Best B++
- Demotech A
- BBB A+
What people say
Prompt claims handling
Unparalleled personalized care
Professional and satisfied
Good hands during difficult time
Better service
Services
Homeowners Insurance
Our standard home insurance policy covers your primary residence, other structures, and personal property. With claims adjusters statewide, we settle most claims on the first visit, often providing immediate compensation. Backed by AM Best B++ and Demotech A ratings, our policies ensure financial security during emergencies.
Condo Insurance
Standard condo coverage protects against 16 causes of loss including lightning and vandalism. Our policies address unique condo ownership needs while maintaining financial stability through conservative investment strategies. Claims are handled by local adjusters familiar with Florida's specific risks.
Rental Property Insurance
Flexible coverage options allow customization for investment properties. Our policies protect rental assets while maintaining affordability through strategic reinsurance programs covering six major storms annually. Independent agents provide localized risk assessments.
Flood Insurance
Flood coverage administered through the National Flood Insurance Program (NFIP) by FEMA. Policies integrate with standard homeowners insurance for comprehensive protection. Claims processing prioritizes flood-damaged properties with expedited settlement procedures.
Claims Service
Claims team resolves 79% of hurricane claims within 33 days, significantly faster than industry averages. Adjusters operate statewide with authority to settle cases immediately. Online tools allow policyholders to report claims and track progress 24/7.
People
Rick Hardy
Chairman
Founder of Florida Family Insurance, Rick Hardy developed the company's approach to Florida homeowners insurance, combining market expertise with customer-focused service strategies.
Bill Wiggs
CEO, President, CFO
Bill Wiggs leads financial strategy and risk management, leveraging extensive experience in corporate finance and insurance analytics to maintain the company's strong financial position.
Tony McCarty
Senior Vice President
With 30 years in Florida property insurance, Tony McCarty oversees claims operations, applying expertise from Hurricane Andrew through recent storm seasons to improve response protocols.
Diane O'Connor
Senior Vice President
Diane O'Connor leads underwriting and customer service initiatives, balancing policyholder needs with security requirements to maintain high coverage standards and customer satisfaction.
Brent Brummer
Senior Vice President of Claims
Brent Brummer directs claims operations and government relations, utilizing 20+ years of claims management experience including complex litigation cases across multiple insurance lines.
Questions
What types of insurance does Florida Family offer?
We provide homeowners, condominium, rental property, and flood insurance policies tailored to Florida residents' needs through licensed independent agents.
How quickly are claims processed?
79% of hurricane claims close within 33 days, with most claims settled on the first visit by local adjusters writing checks immediately.
Are payment plans available?
Policyholders can manage payments online or by phone, with flexible options to accommodate different billing preferences and policy terms.
What financial strength ratings do you hold?
We maintain a B++ rating from AM Best and an A rating from Demotech, with conservative investments and comprehensive reinsurance coverage.
How do you ensure customer satisfaction?
97% of calls answered within 30 seconds, 96% policy retention rate, and BBB A+ accreditation demonstrate our commitment to exceptional service.
Reviews (6)
Mike Zabaski
Dec 07, 2021
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I was skeptical about getting as policy through Florida Family Insurance after reading the reviews but the price was half all other agencies and I was willing to take a risk that I wouldn't have to make a claim. I received a cancellation notice two months after paying for a BS reason of "The square footage of the condo unit is below the minimum required per Company guidelines". Well the condo didn't shrink and you would think a smaller unit would be less risk for them. I was surprised I received a prorated check for the 10 months remaining. I hope it doesn't bounce. Stay clear of this Company unless you want to be disappointed.
Brian G.
Sep 14, 2021
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They initially lie to you regarding what they will cover when you file your claim. Later in the process they will deny most of the coverage they promised AND say they didn't lie to you because "they have a policy of constant reassessment." PATHETIC! AVOID AT ALL COSTS!
Shaheda Laliwala
Nov 29, 2020
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Critical: Professionalism We filed our claim in September didn't get any where, never work with Sheryl Anderson, she is handling our case been three months, we are getting run around from her, I would take my business some were else
Mark At Tallahasseepaintballsports
Nov 08, 2020
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Critical: Professionalism, Quality, Value Probably the worst insurance we ever had. Stay away from these people at all costs. Dropped our insurance for no reason whatsoever. We never had a claim with them.
Greg Hemming
Feb 07, 2020
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Florida family has been synonymous with quality claims and fair pricing for over 20 years. In the 15 years I have personally dealt with Florida Family I have had nothing but positive experiences with claims and customer service. In a chaotic Florida insurance climate Florida Family stands strong in the face of adversity and makes good on their promise of coverage. Kudos to the entire team.
Rayni Goldthwait
Feb 11, 2019
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As an independent agent within the State of Florida, I write home policies with several different carriers and my experience with Florida Family has always been outstanding. From customer service to claim response, they make my job very easy. I believe in their product so much, I insure my own home with them!
