Florida Peninsula Insurance Company
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
Verified official public guidance remains the Florida Peninsula Agent Quick Reference Guide, edition 08/18, plus the current corporate website. Operationally, Florida Peninsula is a Florida-focused personal lines writer with current public product pages for Homeowners, Condo, Renters, and DP-3/Landlord. The published underwriting guide is still the main verified official appetite reference located on the carrier/affiliated domain. Preferred homeowners business is owner-occupied HO-3 and eligible HO-6 condo business within published limits, insured to 100% replacement cost using Florida Peninsula’s ISO360 estimator. Seasonal/secondary residences may be eligible if protected by a central station burglar and fire alarm or located in a secured community; if the primary residence is in Florida, it must also be insured with Florida Peninsula, and only one seasonal/secondary residence is allowed. Tenant occupancy is not permitted on HO-3; HO-6 allows no more than one lease per policy period, and resort/weekly rentals are not permitted. Geographic notes: protection class must be 1-9 only. For distance-to-coast, property generally must exceed 700 feet from the coast; exception noted for HO-4 and HO-6 risks above the ground floor. Coverage/binding notes in the guide: HO-3 Coverage A binding range is $125,000 to $1,000,000, with a $175,000 minimum in Broward and Miami-Dade; values above $1,000,000 are submit-unbound for consideration. HO-6 Coverage A is $30,000 to $300,000; HO-4 Coverage C is $20,000 to $150,000; amounts above published maxima are to be referred/unbound. Deductibles shown are AOP $500/$1,000/$2,500 and hurricane $500 to 10%, with hurricane deductible changes at renewal only. Water backup is shown as available in the Platinum package or by stand-alone endorsement. Structural/property requirements are detailed and restrictive: roof and E/H/P must be in good condition and up to current code; no polybutylene plumbing, galvanized plumbing subject to inspection; minimum 100-amp breaker box; no cloth wiring, aluminum wiring, Federal Pacific, Zinsco, Sylvania, Challenger, or Stab-Lok equipment. Hot water heater must be under 20 years old. Asphalt shingle roofs should be under 20 years old with at least 3 years of serviceable life and no significant curling/lifting/granular loss; flat roofs should be under 10 years old with no patching, pooling, or similar damage. Dwellings 40 years or older require an acceptable four-point inspection with photos at submission. Restricted/declined classes/exposures include HO-3 homes with EIFS in whole or in part, mobile/manufactured homes on premises, unfenced pools, diving boards, slides, trampolines, vicious or exotic animals, certain dog breeds, and livestock/saddle animals other than those for personal use. Loss-history and underwriting flags are material: Elite appetite allows 1 Act of God loss and no other losses in the past 3 years; Preferred appetite shows no liability or water losses and no more than 2 total losses in the past 3 years. Any prior sinkhole loss/exposure requires submit-unbound with engineering report, proof of repairs, and a satisfactory geotechnical engineering inspection/certification at the insured’s expense. Applicants are unacceptable if they have ever been involved in a first-party personal-lines lawsuit against a homeowners insurer. Submission/producer instructions: application method is Agency Link; signed application must be submitted within 15 days of binding; payment (except mortgagee billed) and required documents must be submitted at binding; new-purchase payment exceptions require a call to customer service; proof of prior insurance is required for HO-3 and HO-6, no lapse over 30 days, and new purchases require proof of insurance on purchase date plus HUD copy. All HO-3 properties are subject to an inspection ordered on the effective date, and failure to complete the inspection can result in cancellation. Current public website also highlights available endorsements/adjacent offerings including flood, identity theft, equipment breakdown, and animal liability coverage, but these website pages are marketing-oriented rather than underwriting-rule detail.