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Homeowners Choice Property & Casualty Insurance Company, Inc. is a Florida-based homeowners’ insurance company, headquartered in Clearwater, Florida, that provides property and casualty insurance solely to Florida property owners. Our slogan is “Insurance for Floridians by Floridians.”

Homeowners Choice was founded in 2006 by individuals who were themselves Florida homeowners and recognized the need for a quality, stable and service-oriented homeowners’ insurance provider in Florida. Our management has worked in the Florida homeowner insurance business for over 25 years and is well acquainted with the problems and challenges of Florida's insurance market.

Our parent company, Homeowners Choice, Inc., is publicly-held. Its common shares trade on The NASDAQ Global Market under the ticker symbol “HCII”.

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. Click here to visit their website.

We are regulated by the Florida Office of Insurance Regulation, which oversees the rates, conduct and financial solvency of Florida insurers. The Florida Office of Insurance Regulation has approved us to acquire up to 95,000 policies from Citizens Property Insurance Corporation, the state-sponsored insurance company.

We seek to mitigate our risk through a comprehensive reinsurance program by which we transfer substantial portions of our liability to other large insurance companies, including the state-sponsored Florida Hurricane Catastrophic Fund.