Welcome to the People's Trust Insurance family!

In coordination with Florida Specialty Insurance Company, we are pleased to inform you that People’s Trust Insurance Company is extending the opportunity to become one of our policyholders, since Florida Specialty will no longer be providing coverage for HO3 home insurance policies, and your policy will be non-renewed at expiration

People’s Trust Insurance Company is a Florida licensed insurance carrier based in Deerfield Beach serving over 100,000 policyholders across the state. The Florida Office of Insurance Regulation has approved People’s Trust to accept policies from Florida Specialty. We recommend that you carefully consider this offer and learn more about our company.

For more information or to get a quote call 855-671-1191

Here are some important benefits that People’s Trust provides:

Coverage Options

We offer coverage options to suit your personal situation and budget, ranging from our full-service Homeowner’s Policy to Basic Choice named-perils coverage (Dwelling Fire)

Rapid Response team

Rapid Response Team (RRT) our licensed, bonded affiliated partner has 200+ repair specialists using top-quality materials for your repairs.

Financial Stability

Rating of “A”, Exceptional from Demotech, an independent financial analysis firm

24/7 Availability

People’s Trust’s claims specialists are available day or night, 365 days a year

3-Year, 100% Workmanship Guarantee

All repairs by Rapid Response Team are backed by an unprecedented 3 years 100% satisfaction guarantee on all workmanship.

Comprehensive Catastrophe Plan

Our customers are first in line for emergency repairs.

NEW! Military Discount

People’s Trust is the only Florida-based home insurance company to offer a discount if you are in the military or a veteran – an additional 5% savings.

NEW! Age 55+Discount

People’s Trust provides an additional 5% if you or your spouse is 55+ years old.

NEW! Secured Community Discount

People’s Trust provides an additional 5% if you live in a gated or secured community.

Frequently Asked Questions


Why is my policy being non-renewed?

Florida Specialty is discontinuing its HO-3 homeowner’s line of business.

When was their last day writing HO-3 Homeowner Insurance policies? 

Florida Specialty Insurance Company ceased writing new HO-3 business on April 1, 2019.

Is my policy still in force with Florida Specialty?

Your policy will expire at its expiration date or upon notice of non-renewal and the effective date of your non-renewal.  People’s Trust Insurance Company (“People’s Trust”) is offering many policyholders an opportunity for a replacement policy.

Why should I get a policy from People’s Trust Insurance?

Built on preparedness and rapid response, People’s Trust has created a better way to insure homes in Florida, giving their policyholders affordable rates and benefits not found elsewhere. Our unique approach provides the greatest value and a simplified recovery experience for our policyholders. Below lists a few benefits of being a People’s Trust policyholder:

  • We’ve proudly earned a Financial Stability Rating® of A, Exceptional, from Demotech, Inc.
  • We offer coverage options to suit your personal situation and budget, ranging from our full-service Homeowner’s Policy to Basic Choice named-perils coverage
  • Our Preferred Contractor Endorsement provides access to expert restoration and repairs through our affiliate, Rapid Response Team, which includes 24/7 emergency mitigation services for covered repairs
  • We provide superior Customer Service and expedited Claims handling
  • We offer discounts for military personnel and veterans, homeowners 55 and over, and for those living in a secured or gated community

What happens if I don’t do anything with my policy?

Your homeowner’s insurance coverage will lapse. You will not have homeowner’s insurance coverage if you do not take action to retain a new home insurance policy.

Can I move my policy before the non-renewal date?

Yes. You may cancel your policy at any time.

What are the differences in coverages?

The potential policy offering from People’s Trust Insurance will offer similar coverage afforded under your policy with Florida Specialty. In many cases, People’s Trust coverage will be better than the coverage provided by Florida Specialty Insurance Company. Your agent can explain any differences to you.

If I want to accept a policy with People’s Trust Insurance what should I do?

If you would like to be a People’s Trust policyholder call your Agent and let them know. They will provide you with a full detailed quote for your review and acceptance.

How do I report a new claim related to a Florida Specialty Insurance policy that occurred while I was covered with them?

Contact Florida Specialty at 866-554-5896 or email them at Claims@floridaSpecialty.com

If I have already filed a claim related to my Florida Specialty insurance policy, will the discontinuation of writing HO-3 policies affect the status of my claim?

No, the exit of the line of business should not impact your claim. Please contact Florida Specialty directly for questions relating to your claim at 866-554-5896.

Who do I call for non-claims related questions?

If you have any non-claims related questions regarding Florida Specialty Insurance Company closure, please call your Insurance Agent or People’s Trust Insurance Customer Service Department at 800-500-1818.