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Service. Protection. Values.

Meet Loggerhead.

Ease and stability for Florida homeowners

It’s been a difficult past few years for Floridians looking for homeowners insurance. That’s why, at Loggerhead, we’re committed to providing Florida homeowners with the stability, quality, and convenience they deserve.

Understanding what you’re buying shouldn’t be a mystery. That’s why we offer dedicated customer support to help you understand the ins and outs of your policy and flexible options so you can personalize your homeowners coverage.

We keep things simple with an online customer portal that makes reporting a claim easy and hassle free. Everything from our innovative use of technology to our unique corporate structure is aimed at providing you with a stable, affordable policy that provides comprehensive coverage for your home and family.

We’re changing Florida insurance.

Customer Service

Our goal is to provide the very best customer experience through service, empathy and commitment.

Innovative Technology

We use new tools across the board to expedite decisions on underwriting your policy and for faster claim handling.

Comprehensive Coverage

We’ll explain all your coverage options and explore discounts as you choose the best protection for what matters most.

We serve with:


When you’re filing a claim, you need support. That’s why we’re here to work with you every step of the way.


Transparency and integrity are essential to what we do. Our processes are clear, direct, and easy to understand.

Floridians in Mind

Our policies are designed with Floridians in mind. We offer insurance for Floridians, by Floridians.

Insurance that works for you.

Loggerhead Reciprocal Interinsurance Exchange is a reciprocal insurer, which means policyholders (members) like you – not a group of stockholders – are part owners in the carrier. Did you know that some of the most well known insurance carriers are reciprocals; such as USAA, Farmers Insurance and Privilege Underwriters Reciprocal Exchange (PURE).  With this structure, the insurance company is managed by another company: a third party known as an “Attorney in Fact” (AIF). The AIF runs the company’s day-to-day operations like issuing policies and handling claims.

Demotech, Inc - Financial Stability Rating - A Exceptional

Financial Stability

Being there for our policyholders when they have a claim is our most important role. We focus on financial stability now and into the future so we can pay claims when they arise. To help ensure that we are ready to handle hurricanes or other natural disasters affecting our policyholders we purchase reinsurance, which is additional insurance coverage for insurance companies themselves. We partner with more than 15 highly rated reinsurers for this protection. Our balance sheet and reinsurance program have earned a Financial Stability Rating® of “A” (Exceptional) from Demotech, Inc., a leading independent financial analysis firm. Additionally, as a licensed and admitted insurance company, all Loggerhead rates and forms are reviewed by the Florida Office of Insurance Regulation.

Looking to make a difference?
Join our team.

At Loggerhead, our people are our priority. Our employees are challenged, guided, and empowered to do their best work to support each other and make a difference for our members.

We seek differences of opinion and perspective to represent the diversity of our policyholders and achieve the best possible outcomes. We offer diverse and engaging career paths to fit your unique interests, skill set, and abilities.

Sound like you? Reach out to help pave a path to the future for Florida homeowners insurance!

Explore careers

You’re only as safe as your shell.

Browse our coverage options to see how we can help protect your nest.

Coverage Options