Capital: Florida regulators believe insurers need at least $10 million set aside for emergencies. Less than that pushes a company into the red zone.

(Score determined by state regulators)
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.

(in dollars per $100,000 insured)
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.

(percentage of policies in South Florida)
Having too many policies in one place is dangerous, especially if they are in hurricane-heavy South Florida.

Number of Policies: 494

Writing new policies: Not writing

A.M. Best financial rating:

Demotech financial rating:

Weiss financial rating: