Finding the Best Home Insurance in Florida with People’s Trust

Buying a home in the Sunshine State? While Florida’s year-round sunshine and beautiful beaches are a dream, the unpredictable weather can be a nightmare for homeowners. Protecting your investment with reliable home insurance tailored for Florida’s risks is key.

That’s where People’s Trust Insurance comes in. As a top home insurance provider founded and based in Florida, People’s Trust offers customized coverage and lightning-fast claims service for the unique needs of Florida homeowners.

Overview of People’s Trust Home Insurance

Founded in 2008 and headquartered in Deerfield Beach, Florida, People’s Trust Insurance focuses solely on home insurance for Florida residents. They provide home insurance policies like:

  • HO3 Insurance: Standard homeowners insurance covering the structure, personal belongings, liability, and more. Ideal for owner-occupied primary residences.

  • Basic Choice Plan: More affordable policy option that still protects against major risks like hurricanes. Covers dwelling, personal liability, and more. Limited additional coverage available.

  • Condo Insurance: Policies tailored for condos, apartments, co-ops, and townhomes.

  • Renters Insurance: Protects renters’ personal belongings and liability.

Key highlights of People’s Trust Insurance:

  • A+ rating with the Better Business Bureau
  • Physical offices across Florida for local support
  • In-house claims team for fast resolution
  • Affordable rates, especially for new homes
  • Policy discounts like wind mitigation, claim-free, and more
  • Proprietary Rapid Response Team for 24/7 emergency repairs
  • Hurricane Loss Mitigation Program helps homeowners prepare

Why Choose People’s Trust for Florida Home Insurance?

Let’s look at some key advantages People’s Trust offers Florida homeowners:

1. Built for Hurricanes and Wind Damage

With hurricane risks being top-of-mind for Florida residents, People’s Trust policies are designed to handle wind damage claims quickly and effectively.

  • They meet Florida’s stringest requirements for financial strength to pay claims after massive storms.

  • Their Rapid Response Team has extensive experience responding to hurricane damage. They dispatched hundreds of contractors after recent hurricanes like Irma.

  • People’s Trust offers policy discounts like hurricane shutters, roof age and shape, strengthening retrofits, and more to reduce premiums.

  • Their Hurricane Loss Mitigation Program helps homeowners identify vulnerabilities and make improvements to minimize hurricane damage.

2. Lightning-Fast Claims Response

After an unexpected disaster like burst pipe flooding or roof leaks from storms, People’s Trust gets contractors on-site for emergency repairs ASAP:

  • Available 24/7 for covered emergencies through their Rapid Response Team

  • Direct repairs using their in-house contractors, instead of relying on independant adjusters

  • No need for multiple estimates – they manage the repair process start to finish

  • Transparent pricing through Xactimate software

  • Focus on quickly restoring homes to get life back to normal

3. Local Expertise and Support

Since they only operate in Florida, People’s Trust offers specialized local knowledge gained over 10+ years in the state’s insurance market:

  • Florida-based team of claims adjusters, underwriters, and agents

  • Field reps conduct on-site surveys to provide accurate risk assessments

  • Physical offices across Florida for in-person support

  • Resources like the Homeowner’s Academy with Florida-specific insurance tips

  • Active in supporting local Florida communities

4. Highly Competitive Rates

People’s Trust leverages their streamlined business model and hurricane preparedness to offer affordable premiums:

  • Average savings of 40% for new homes compared to competitors

  • Bundling discounts available when you add policies like auto or flood insurance

  • Numerous discounts to reduce premiums for wind mitigation, age of electrical/AC/roof, and more

  • Locked-in rates for the first year

  • Easy online quotes and policy purchase through their website

5. Policy Flexibility and Enhancements

People’s Trust allows homeowners to customize coverage for their needs:

  • Ability to modify dwelling coverage limits up to $2.4 million

  • No age limits on homes – they’ll insure properties of any age

  • Can exclude coverage like water damage for polybutylene piping

  • Vacation homes accepted with minimum occupancy

  • No 4-point inspection required – easy onboarding!

  • Optional extras like identity theft monitoring, electronics coverage, water/sewer backup

Finding the Best People’s Trust Insurance Rates

Ready to enjoy People’s Trust’s customer service and Florida-tailored coverage? The best way to find affordable rates is to get a free quote online at their website or through an independent insurance agent.

To get the most accurate price estimate, have details like your home’s age, construction materials, number of stories, and mitigation features handy. Input your address for location-based risk factors like flood zones or wind zones.

People’s Trust also offers a tool called Fast Track that provides instant rate estimates based just on your address and a few key details. Give it a try to ballpark potential pricing.

Partnering with an Independent Insurance Agent

While People’s Trust offers direct online sales, we recommend working with a trusted local insurance agent to buy your policy. Independent agents are valuable in:

  • Comparing quotes across multiple insurers to find the best rate
  • Evaluating if an HO3, Basic Choice, or other policy type is right for your needs
  • Identifying discounts you may qualify for
  • Avoiding gaps or overlaps in coverage as your life changes
  • Answering questions and guiding you through the insurance process

At ABC Insurance Agency, our experienced agents have helped Florida homeowners find the optimal coverage at the best price for over 25 years. We’re proud to partner with reputable insurers like People’s Trust Insurance. Reach out for personalized guidance selecting home insurance you can count on!

The 2 absolute worst home insurance companies in Florida [Citizens & People’s Trust]


Is Peoples Trust insurance leaving Florida?

Two more property insurers, including two of Florida’s larger carriers, did not wait around to see what help the just-concluded special session of the Legislature may provide, and have stopped new business in the state.

Who is the largest home insurer in Florida?

1. Universal Insurance Holdings Inc.

Is citizens insurance in Florida good?

Is Citizens Insurance good? Citizens Property Insurance is a good company for Florida homeowners who’ve been denied home insurance coverage through a traditional insurer. However, with high rates, limited coverage options, and low policy limits, Citizens home insurance is best saved as a last resort.

What is the cheapest home insurance in Florida?

The cheapest home insurance companies in Florida Chubb has the lowest rate for home insurance in Florida, with an average of $155 a month. Tower Hill Prime offers affordable rates to the state’s homeowners, too, with Tower Hill Prime averaging $166 a month.

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