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.

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 and premium to other large insurance companies, including the state-sponsored Florida Hurricane Catastrophic Fund.