The Herald-Tribune used financial filings to rate Florida's top 100 property insurers on four measures of financial strength. While no single score is the final word, together they suggest a company's overall health. Sort insurers by one of the risk factors or directly compare up to three companies. Click a company to find out more, including whether it is writing new business.
Florida regulators believe insurers need at least $10 million set aside for emergencies. Less than that pushes a company into the red zone.
This measurement weighs a company's capital against its risk - how much money it stands to loose from investments and insurance policies written. The more risk, the more capital is needed to offset it. The higher the score, the better.
Some experts frown on companies that have less than $100 set aside for every $100,000 in property they insure. The less they are leveraged, the less likely they are to run into cash-flow problems.
South Florida Risk:
Having too many policies in one place is dangerous, especially if they are in hurricane-heavy South Florida.