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People’s Trust Insurance Company was founded in 2008 to provide homeowners and flood insurance for the challenging Florida market. For more than a decade, People’s Trust has proven to be a competitive option within the Sunshine State. Probably because of the property carrier’s reputation for reasonable rates (including plenty of discounts), as well as rapid claims response. People’s Trust appears to check all right boxes for homeowners looking to protect their most substantial investment — home sweet home.

Here’s everything you need to know about People’s Trust Insurance Company:

What’s protected with People’s Trust insurance?

Peoples Trust strictly sells Florida homeowners policies with two levels of coverage: Full-Service HO-3 or Basic Choice Coverage.

They use the same ISO standard form as the rest of the industry, so you can compare People’s Trust side by side with the established carriers out there. You might find that they are a competitive option for your home insurance.

Discounts available with People’s Trust

People’s Trust also has plenty of discounts, including being the only carrier in Florida (besides USAA) to offer a veterans discount:

  • 55 years of age or older
  • Military personnel and veterans
  • Secured and gated community
  • Paperless policy delivery
  • Burglar alarm credit
  • Insurance scoring credit
  • Wind mitigation credits


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  • Fully digital experience — Fill out all of your insurance forms online, no phone call required!
  • Top-rated carriers — Choose from a mix of highly reputable national and regional home insurance carriers.
  • Data privacy — We don’t sell your information to third parties, and you won’t receive any spam phone calls from us.

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People’s Trust homeowners insurance options

Full-Service HO-3: This is the insurance company’s premier protection intended for homes valued at $100,000 or more ($200,000 minimum if you live in Broward, Miami-Dade, or Palm Beach counties). You can only get People’s Trust’s top tier of coverage if you live in your home full-time.

Basic Choice: This is the People’s Trust budget-friendly option for a tenant or owner-occupied homes. Basic Choice only provides essential coverage that will still meet your lender’s insurance requirements. People’s Trust sells this type of policy for homes valued at $50,000 or more. If you live in Broward, Miami-Dade, or Palm Beach counties, then the minimum home value is $100,000.

People’s Trust optional add-on coverages

Equipment breakdown: People’s Trust sells appliance coverage up to $100,000 for a mere $50 per year. Equipment breakdown coverage also covers up to $10,000 in food spoilage. You can use this plan to safeguard appliances like your A/C, furnace, computer, or home appliances like refrigerators and washing machines.

Buried utility lines: Covers you up to $10,000 in coverage for repair of utility lines coming into your home like water, gas, sewer, and electric. People’s Trust sells this optional plan for a flat $22 per year.

People’s Trust details and reviews

People’s Trust has quickly flourished within a disaster-prone state when many more prominent carriers have retreated. Their corporate stats are impressive.

People’s Trust works with more than 115,000 Florida policyholders from its Deerfield Beach, FL headquarters. The carrier presently employs over 300 employees and reported $220 million in gross written premiums (2018).

Since 2014, the company has been Better Business Bureau (BBB) accredited. They maintain an A+ rating from the BBB.

Demotech rated People’s Trust with an A Exceptional Financial Stability Rating.

Filing a claim with People’s Trust

People’s Trust has a 24/7 Claims Hotline: 877-333-1230. You must call in to report a claim.

In the area of claims, People’s Trust does strive to do things a bit differently. For example, the carrier put together a Rapid Response Team to complete home repairs if there are more than $10,000 in damages.

People’s Trust provides a three-year, 100% customer satisfaction guarantee on their workmanship.

Good to know: If you use People’s Trust for your homeowners insurance, you cannot choose your contractor for significant repair work ($10,000+), you must use their Rapid Response Program. It’s one of the biggest in Florida, though, so you will get standardized, quality-controlled contractors.

Plus, you don’t have to worry if you are struggling to come up with your homeowners deductible. People’s Trust will give you a payment plan so you can get work started immediately and pay the deductible in installments.

Where is People’s Trust available?

People’s Trust offers insurance coverage solely in their home state of Florida.

Final thoughts

People’s Trust Insurance Company offers standardized coverage options for Florida homeowners. Where they stand apart is in their Rapid Response Team, handling more extensive repairs with a three-year guarantee. They offer plenty of discounts, including discounts for veterans. For most of their Florida customers, this combination seems to be a winning formula.


Need home insurance?
The Credible marketplace, which includes insurance services by Young Alfred, makes it easy to find a carrier and policy that’s right for you.

  • Fully online — Fill out all insurance forms online and buy homeowners coverage without ever picking up the phone. If you have any questions, Young Alfred offers 24/7 customer service.
  • Save time, money, and effort — Compare quotes from highly rated home insurance carriers in your area. It’s fast and easy.
  • Data privacy — Your information is kept safe and secure. We don’t sell your information to third parties, and you won’t get any spam phone calls from us.

Get Insurance Quotes Now

Disclaimer: All insurance-related services are offered through Young Alfred.

About the author
Credible Staff
Credible Staff

The goal of the Credible editorial writers and staff is to help our readers get up to speed on issues surrounding student loans, mortgage, and personal finance, so you can make informed decisions. We’re here to help you stay on top of the latest news, trends, concepts, and changes in policy and regulations.

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