Perfection is unattainable. But if we chase perfection, we can catch excellence.

Vince Lombardi

Homeowners Choice Property & Casualty Insurance Company, Inc. is a Florida-based homeowners’ insurance company, headquartered in Tampa, Florida, that provides property and casualty insurance solely to Florida property owners. Our slogan is “Insurance for Floridians by Floridians.”

Homeowners Choice was founded in 2006 by individuals who were themselves Florida homeowners and recognized the need for a quality, stable and service-oriented homeowners’ insurance provider in Florida. Our management has worked in the Florida homeowner insurance business for over 25 years and is well acquainted with the problems and challenges of Florida's insurance market.

Our parent company, Homeowners Choice, Inc., is publicly-held. Its common shares trade on The New York Stock Exchange under the ticker symbol “HCI”. See “Investors" tab.

Demotech, Inc., a leading actuarial and financial analysis firm, has awarded Homeowners Choice a Financial Stability Rating of “A” (Exceptional). Demotech’s Financial Stability Ratings are designed to indicate the financial stability of a property and casualty insurer. Click here to visit their website.

We are regulated by the Florida Office of Insurance Regulation, which oversees the rates, conduct and financial solvency of Florida insurers. We seek to mitigate our risk through a comprehensive reinsurance program by which we transfer substantial portions of our liability to other large insurance companies, including the state-sponsored Florida Hurricane Catastrophic Fund.