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
Carrier focuses on admitted personal residential property in Florida only. Current publicly referenced underwriting guide remains the Florida Peninsula Underwriting Guide PDF hosted at flinsco.com, last indexed but not replaced by any newer public manual as of early 2026. Preferred business / target risks (from guide and distribution materials): - Owner-occupied primary residences in good condition, with solid roof life remaining and evidence of ongoing maintenance. - Standard construction (typically frame, masonry, or masonry veneer) with properly anchored roofs and no unrepaired damage. - Homes and condos with prior continuous coverage and no significant recent losses, especially no prior water or liability losses. - Properties with acceptable protection class, up-to-date electrical, plumbing, HVAC and roof, and no unapproved wood-burning or auxiliary heat. - Risks within coastal and non‑coastal Florida where values, distance to coast, and age/condition fit standard residential programs (often subject to wind and roof age rules). Restricted / higher-scrutiny classes (per manual and market practice): - Older homes, especially those with older or three‑tab shingle roofs approaching end-of-life; these generally require favorable inspections and may be limited or surcharged. - Properties in Special Flood Hazard Areas typically require separate flood coverage and acknowledgment that flood is excluded and self‑insured if separate policy not maintained. - Homes with prior claims, particularly water damage or liability claims, may be surcharged, need underwriting review or may be ineligible if frequency/severity thresholds in the guide are exceeded. - Certain features (pools without compliant barriers, trampolines, certain aggressive dog breeds, or business exposures at the premises) are restricted and may require endorsement, exclusion, or declination depending on details. Declined / ineligible risks (per guide and agent references): - Properties with unrepaired existing damage, significant deferred maintenance, or hazardous conditions (e.g., deteriorated roofs, unsafe steps, exposed wiring, empty/unkempt pools). - Dwellings used primarily for short‑term rental or business exposure where guidelines do not permit or where required endorsements/programs are not available. - Risks with unacceptable loss history, including multiple recent non‑weather property claims or significant prior water losses beyond the thresholds in the manual. - Homes not meeting minimum construction, occupancy or protection standards defined in the guide (e.g., certain vacant, seasonal, or tenant-occupied structures when outside program parameters). Geographic notes: - Writes only within the state of Florida, subject to county-by-county and distance‑to‑coast rules for wind exposure and minimum roof standards as outlined in the guide. - Certain high‑hazard coastal zones or very high wind‑exposure areas may be limited, require higher deductibles, mitigation credits documentation, or be ineligible depending on roof age, construction, and other factors. Submission and binding requirements (from underwriting guide): - Agent must bind only within delegated authority and eligibility rules in the manual; risks outside guidelines require prior underwriting approval. - A signed application must be obtained and submitted within 15 days of binding; failure to provide required documents, photos, or inspections can result in adverse underwriting action, including cancellation or non‑renewal. - Carrier orders inspections effective on the policy inception date; four‑point, roof, or full home inspections may be required based on age of home, age of roof, and protection class. - Agents are expected to fully and accurately disclose occupancy, updates (roof, plumbing, electrical, HVAC), prior losses, and any unusual exposures. Broker / producer notes: - Distribution is primarily through appointed Florida independent agents; producers must be appointed and follow the company’s written guidelines and binding authority. - Agents should monitor company circulars and portal communications for changes in eligibility (roof age rules, coastal capacity, water-loss thresholds, etc.), as the formal 2019 PDF remains the base manual but operational criteria may tighten by bulletin. - For risks near the margin of eligibility (older roofs, prior losses, borderline coastal exposures), agents should seek underwriting review before binding to avoid mid‑term cancellations. This summary is operational and high‑level; agents must rely on the full Florida Peninsula underwriting guide, current company bulletins, and portal rules for specific eligibility, coverage forms, and deductible/limit combinations.