Florida Family Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Florida Family’s verified public agent resources indicate active Florida homeowners appetite supported by product-specific underwriting reference guides for HO3 Multi-Peril, HO3 X-Wind, DP3, and HO6, plus an Open/Closed County Status Report and multiple supplemental underwriting forms. Public-facing materials do not expose the full quick-reference guide text, so the clearest currently published operational guidance is geographic/product availability and required supporting forms. Preferred business appears to be standard Florida personal residential property in open counties/zips, especially inland or outside wind-pool/coastal restrictions where HO3/DP3/HO6 Multi-Peril is open. They also publish an Accredited Builder program/application, modular homes reference material, a screen enclosures/carports guide, and a Premier Package available on primary HO3s, suggesting appetite for standard owner-occupied homes with optional packaged endorsements. Restricted/declined classes are primarily geography-driven in the public materials: many counties are fully closed for new multi-peril business; many coastal/south Florida counties show X-Wind-only availability; some counties require distance-from-coast or outside-wind-pool eligibility; and some specific ZIPs are closed or limited-capacity. As of the verified Open/Closed County Status Report dated 03/05/2026, examples include: HO3/DP3/HO6 open in counties such as Alachua, Baker, Clay, Gadsden, Lake, Leon, Marion, Orange, Osceola, and Polk; X-Wind-only availability in counties such as Bay, Brevard, Broward, Collier, Escambia, Franklin, Gulf, Indian River, Lee, Manatee, Okaloosa, Palm Beach, Pinellas, and Monroe; coastal/wind-pool conditions in Duval, Flagler, and Nassau; 10+ miles from coast requirement in Citrus; limited Levy eligibility in ZIPs 32618 and 32696 only; Miami-Dade HO6 limited capacity with listed closed ZIPs; and several counties showing no availability across HO3/DP3/HO6, including Calhoun, DeSoto, Dixie, Gilchrist, Glades, Hamilton, Hardee, Hendry, Hernando, Highlands, Hillsborough, Holmes, Jackson, Jefferson, Lafayette, Liberty, Madison, Martin, Okeechobee, and Pasco. Submission/underwriting requirements visible from official resources include supplemental applications for policies including wind and for X-Wind policies, a Corporate LLC Statement where ownership warrants it, condo rental and dwelling short-term rental supplemental applications, animal liability exclusion acknowledgement, contents/wind exclusion forms where applicable, ordinance or law option form, sinkhole rejection form, statement of no loss, mitigation verification inspection form, and AOR form. Broker/producer notes: Florida Family maintains a 24/7 agent site for quoting, binding, policy management, and claims reporting; agents are directed to the resources/library area for underwriting reference documents and forms; and prospective agencies must apply through the carrier’s official prospect form. Overall public guidance suggests a tightly managed Florida homeowners book with strong county/ZIP/coastal controls, wind-pool segmentation, and form-driven underwriting for wind, rentals, entity ownership, mitigation, and selected exclusions.