Florida Family Insurance
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
Scope & appetite - Personal residential property only in Florida; products include HO3 (multi‑peril and X‑wind), HO6, and DP3, plus related rental and condo variants. - Territory and county appetite is actively managed with an **Open/Closed County Status Report** and **Territory Map – Statewide Coverage**. Agents must confirm county status and eligibility in the agent portal before quoting/binding. Preferred business - Well‑maintained, primary or secondary 1–4 family homes and eligible condos in open territories, meeting current Florida mitigation and condition standards. - Newer construction and homes built by approved **Accredited Builders** are specifically encouraged; agents may submit an **Accredited Builder Application** for consideration, and can reference the **Accredited Builder Listing** once approved. - Standard owner‑occupied and long‑term rental occupancies that fit within the HO3/HO6/DP3 program quick reference guides (HO3 Multi‑Peril, HO3 X‑Wind, DP3, and HO6 Quick Reference Guides available in the Resources library for agents). Restricted / controlled classes & hazards - Geographic restrictions are significant and dynamic: placement is subject to the **Open/Closed County Sheet** and internal territory rules; expect tighter controls in high‑catastrophe coastal and certain inland counties. - Wind exposure is carefully segmented: separate programs and forms exist for **policies including wind** vs. **X‑wind policies** (no wind). Use the specific **Supplemental Application for Policies Including Wind** or **Supplemental Application for X‑Wind Policies** where required. - Certain structures and features (e.g., modular homes, screen enclosures, carports, some roof types) have dedicated underwriting guidance such as the **Modular Homes** document and the **Screen Enclosures & Carports Guide**, as well as a reference on **Architectural Shingles vs 3‑Tab Shingles**. These indicate that non‑standard construction, older/3‑tab roofs, and exposed enclosures are more tightly underwritten and may be surcharged, limited, or declined depending on details. - Higher‑risk occupancies like short‑term rentals and condo rentals are not prohibited but require the corresponding **Condo Rental Supplemental Application** or **Dwelling Short Term Rental Property Supplemental Application** and must meet program criteria. - Animal liability is generally excluded by default where the **Acknowledgement of Animal Liability Exclusion** form is used; risks with higher animal liability exposure are either written subject to exclusion or not accepted, depending on the program. - Certain coverages (Contents C, Windstorm, Ordinance or Law, Sinkhole) may be excluded or modified via specific forms: **Exclusion of Contents Coverage C**, **Exclusion of Windstorm Coverage**, **Sinkhole Rejection Form**, and **Ordinance or Law Coverage** endorsement. Usage of these forms reflects risk tolerance; high sinkhole or windstorm hazard areas may only be acceptable with these limitations. Geographic / territory notes - Statewide Florida footprint but **not all counties or territories are open at all times**. Agents must review: - **Open/Closed County Status Report** for current binding availability by county. - **Territory Map – Statewide Coverage** for long‑term appetite and territory definitions. - County status and territory appetite can change quickly due to reinsurance, storm activity, or regulatory actions. Binding authority may be suspended or limited via bulletins; agents should routinely check the Resources page for the latest bulletins and quick links. Submission & documentation requirements - All business is expected to be submitted and bound via the **Agent Site**, which is available 24/7 for quoting, binding, policy management, and claims reporting (subject to announced maintenance windows).([floridafamily.com](https://www.floridafamily.com/ffi_resources)) - For risks involving wind or X‑wind, the corresponding **Supplemental Application** is required and must match the requested coverage structure. - For corporate or LLC ownership, agents must complete the **Corporate LLC Statement** to clarify insurable interest and occupancy. - Special occupancy or exposure categories (condo rental, short‑term rental property, animal liability, exclusion of contents or windstorm, ordinance or law, sinkhole rejection) require the appropriate supplemental or acknowledgement form from the **Common UW Forms** section. - Uniform Mitigation Verification Inspection Forms should be obtained and used to apply proper wind‑mitigation credits and confirm roof/structural details. - A **Statement of No Loss** may be required for certain mid‑term changes, reinstatements, or backdated actions. - For any builder‑driven new construction placements, agents should use the **Accredited Builder Application** when seeking builder accreditation, which supports eligibility and potentially better terms for those risks. Broker / producer notes - Florida Family operates through appointed agents using a dedicated **Agent Sign In** portal; underwriting reference guides, manuals, and forms are centralized in the Resources/Library area under **UW Reference Documents**, **Common UW Forms**, and **Manuals**.([floridafamily.com](https://www.floridafamily.com/ffi_resources)) - Underwriting appetite is managed operationally via bulletins and the open/closed county report rather than a single static public guide. Agents should: - Monitor the **Bulletins & News** section for frequent updates (e.g., changes to HO3 multi‑peril base rates, DP3 roof deductibles, and form revisions noted in recent bulletins).([floridafamily.com](https://www.floridafamily.com/ffi_resources)) - Check the Resources page before quoting during storm seasons for any moratoriums or binding restrictions. - The Resources site also calls out **3 Night Rental Program** materials within UW Reference Documents, indicating that limited‑duration rental exposures are allowed only in line with this program and subject to its rules via the agent portal.([floridafamily.com](https://www.floridafamily.com/ffi_resources)) - Agents should rely on the internal **HO3/HO6/DP3 Quick Reference Guides** for specific eligibility thresholds (age of home/roof, protection class, prior loss history, coverage limits, etc.), as these are periodically updated and supersede older printed materials. Practical operating posture - Treat Florida Family as a selective, Florida‑only personal property market with a strong focus on wind and roof underwriting, builder quality, and rental/occupancy controls. - Always validate: (1) county open/closed status, (2) correct program (multi‑peril vs X‑wind), and (3) whether the risk falls under any special category that triggers a supplemental or exclusion form. - Expect heightened scrutiny and possible non‑acceptance for older roofs, non‑accredited builders, high‑exposure coastal counties when closed, aggressive short‑term rentals outside the 3‑night or designated programs, and risks unwilling to accept necessary exclusions (animal liability, windstorm in certain territories, sinkhole, etc.).