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 public guidance remains centered on Florida personal residential business. The official public underwriting/appetite document I could verify is still the Florida Peninsula Agent Quick Reference Guide (edition 08-18), hosted on the carrier-affiliated FLINSCO domain. That guide describes the target market as risks meeting Florida Peninsula’s eligibility requirements and notes that risks outside the target market may still be considered under the full underwriting manual. Public-facing product pages now show the carrier actively marketing Homeowners, Condo, Renters, and DP-3/Landlord coverage, plus optional/additional coverages including Flood, Identity Theft, Equipment Breakdown, and Animal Liability. Geographic focus is Florida only. Practical submission takeaways: business is produced through licensed/appointed agents; the site directs prospects to find an agent or get a quote rather than submit directly to underwriting. Producer notes from the guide indicate agents should consult the underwriting manual for complete rules, limitations, and coverage options, and obtain manuals/forms through the agent login area. Operational underwriting notes visible on official public pages are limited, but the carrier states applications are typically subject to pre-bind/home inspection review and may require additional information or documentation; applicants are expected to address roof issues, property hazards, and requested repairs promptly. Restricted/declined classes are not fully disclosed on current public pages; use the verified quick reference guide plus agent-only manuals for exact ineligible classes, construction/age/roof restrictions, and coastal or territorial rules. No newer publicly accessible official appetite or underwriting guide was verified from the carrier website during this refresh.