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Enter your ZIP code below to view companies that have cheap insurance rates. If you own high value items of jewelry, furs, silverware or fine art, we have additional coverage available for these items. Ask your Sales Representative or Independent Agent for details. People’s Trust simplifies your recovery from damage or disaster, helping you get your life back to normal quickly in the event of a claim. The best way to compare and buy home insurance from People’s Trust Insurance.
People’s Trust Insurance has created a better way to deliver Florida homeowners insurance protection to Floridians. Built on preparedness and rapid response, our unique approach provides the greatest value and a simplified recovery experience for our policyholders. Our Florida home insurance policy protects your personal possessions, such as clothing and furnishings. Our homeowner policies automatically include coverage for your personal property at Actual Cash Value. This means that your lost or damaged property will receive a depreciated value at the time of a loss.
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People’s Trust Insurance is a Florida insurer that offers homeowners and flood insurance and aims to be a partner to customers who have experienced a loss. People’s Trust Insurance maintains an A rating from Demotech and has 1.76 percent of the Florida homeowners insurance market share. Well, it simply means People’s Trust Insurance can cover any large potential risks they bear from insuring others. It’s an effective way for homeowner’s insurance companies to maintain financial stability. We also offer Replacement Cost coverage for an additional premium, where we will reimburse you based on what your personal property costs to replace today without considering depreciation. Replacement Cost coverage is subject to policy limits, terms and exclusions, all specifically listed in your policy.
People’s Trust Homeowners Insurance was founded in Florida in 2008 to provide quality homeowners insurance policies to residents of the Sunshine State. Its no-nonsense policies cater to two types of coverage, an HO-3 and basic coverage, each including protection for your home, belongings and more. It also holds an A Exceptional Financial Stability Rating with Demotech.
Coverage E – Personal Liability
Hey, if there’s one thing we all can agree on, it’s that accidents can happen at very inconvenient times. Luckily, People’s Trust Insurance has a claims hotline available 24/7. The carrier you pick is an extraordinarily important decision for both you and your family. Let’s face it, no one wants to wind up with a poor insurance provider. Because you should NEVER purchase an insurance policy without doing your due diligence.
We encourage honest reviews so we can continuously improve. People’s Trust Insurance issues coverage to homes currently inhabited by the homeowner purchasing coverage. That may seem obvious, but there are other instances when coverage is issued to non-homeowner insureds. Founded on ethical practices and fast, courteous customer service and claims handling, People’s Trust has your back 24/7 if you should need to report a claim. While an insurance policy may be cheap, it may not have the features to adequately protect you.
It’s all about you. We want to help you make the right coverage choices.
While People’s Trust does offer reliable coverage, its rates are higher than other carriers. For a newly built home valued at $300,000, People’s Trust’s annual average premium is $2,479 a year. Most reviews note our professionalism and how much money they saved compared to other insurance carriers – an average of $500 per year. Cover your fine art, jewelry, collectibles, or other valuables that you have invested in and would shed a tear to live without.
Its overall rating is 4.2 out of five stars, suggesting the majority of the reviewers had a good-to-excellent experience with People’s Trust. Five-star reviews discuss great service and no problems with claims. This People’s Trust Insurance review considers customer reviews and price data to see how the company delivers on customer satisfaction. As a point of reference, you can see how it compares to Kin.
For Floridians, the ability to handle these kinds of disasters is a must for insurance providers. People on the internet can be pretty harsh and every insurance company is going to get ripped on here and there. As a policyholder, this should give you some peace of mind that People’s Trust Insurance shouldn’t have issues paying out claims. BUT, a People’s Trust Life Insurance Rating is a little less important because they cover themselves financially with reinsurance, which means they manage risk by purchasing insurance from a reinsurer.
The Rapid Response Team is actually a contracting company hired by People’s Trust Insurance to promptly assist their policyholders. Burst pipes, structural issues and water damage may be ongoing. Much of Florida is in a flood zone, so there’s a very good chance that this could cause problems for you somewhere down the road. If you’re interested in finding out if the area you live in is particularly vulnerable, there’s a flood zone map you should check out HERE. Please note these are only basic details, make sure you check ALL of the specific features of each policy if you’re thinking about signing on the dotted line.
Our upfront investment in overall preparedness and everyday readiness allows us to pass the savings along to you and deliver some of the most competitive home insurance rates in Florida. Allianz continues to be recognized in the top field of sustainable insurance companies. We're the #1 insurance company among the Top 50 most attractive employers worldwide! This recognition encourages us in our journey to be admired employers in the industry and sustain our focus on attracting the best talent. Paired with ample surplus, the carrier has the security to restore property to pre-loss condition and make customers happy. Compare Homeowners Insurance policies and quotes from the best carriers with FLINSCO.com.
The goal is to help you make informed decisions when searching for the best home insurance in Florida. ☘ Medical payments coverage is similar to personal liability, but it handles less costly injuries that occur on the policyholder’s property. The main difference between the two is that Coverage F can kick in whether the policyholder is at fault for the accident or not. ☘ Only for homeowners, Coverage B protects the other structures located on your property, such as a shed, fence or detached garage.
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