Florida Family Insurance is a Florida-based company offering homeowners insurance protection against hurricanes and other catastrophes in Florida, according to the company's website. Insurance executive Rick Hardy founded the company after personally experiencing Hurricane Andrew, a Category 5 storm that devastated the state and many of its insurers in August 1992. As of 2015, A.M. Best rates the company as B++, or Good, which means it has a good ability to meet its continuing insurance responsibilities.
Florida Family Insurance offers policy coverage for owner-occupied homes, such as primary residences, second homes and seasonal homes, explains the company. Windstorms, fire, theft and lightning coverage are available through agents across the state. Standard coverage includes personal property, living expenses, structures not attached to the home, personal liability and medical expenses. Optional coverage includes market-rate content replacement costs, scheduled personal property, such as jewelry and artwork, water damage from sewer or drain backup or overflow, and blanket personal property protection.
Policyholders can qualify for a wide range of discounts, such as lower costs for retired homeowners age 55 and older insuring their primary residences, notes Florida Family Insurance. The company offers other discounts, including for structures with a hip roof shape, installed fire sprinklers, approved storm shutters, homes in gated or guarded communities, and properties that meet current building codes.