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 is a Florida-focused personal lines carrier writing property coverage only in Florida through authorized independent agents. Public-facing materials confirm homeowners (HO3), condo (HO6), rental property/landlord (DP3), and flood offerings, with underwriting access routed through the agent portal rather than a public appetite manual. The clearest current underwriting guidance published publicly is the Open/Closed County Status Report dated 03/05/2026, which functions as a live territory/appetite bulletin. Preferred business appears to be standard Florida personal residential property in open inland or selectively open counties, especially owner-occupied HO3 risks, with optional enhanced packaging available for primary HO3s via the Premier Package. Geographic appetite is highly segmented: some counties are fully open for HO3/DP3/HO6 multi-peril, some are open only for X-Wind in the wind pool, some require minimum distance from coast (examples shown include 10+ miles in Citrus and 3+ miles for certain HO6/wind-sensitive territories), some are limited to locations outside the wind pool, and numerous counties are currently closed altogether for new business. The report also lists closed ZIPs within otherwise open counties (examples include certain ZIPs in Duval, Orange, Osceola, Palm Beach, Miami-Dade, St. Johns, and Volusia). Operationally, agents should check county and ZIP eligibility immediately before quoting because territory status is explicitly updated as counties reopen post-storm. Restricted or effectively declined business includes any new submissions in counties shown as closed for the applicable form, risks inside listed closed ZIPs, and risks not meeting coastal/wind-pool distance rules where stated. HO6 capacity is narrower than HO3/DP3 in some territories, and Miami-Dade HO6 is shown with limited capacity rather than broad open appetite. Submission expectations: business is distributed through authorized independent agents only; insureds are directed to obtain coverage through local agents, and underwriting questions can be routed via the carrier contact channels or agent portal. Broker/producer note: because no public detailed class-by-class underwriting guide was verified, agents should treat the county status report and agent portal as the governing pre-bind checkpoints for product/form availability, wind treatment, and ZIP restrictions; confirm latest eligibility before submission, especially for coastal or post-cat territories.