B
Florida Family Ins Co
Rating Date
June 2025
NAIC
Classification
Risk Adjusted
Capital Ratio #1
Risk Adjusted
Capital Ratio #2
Loss
Ratio
Total
Assets
Capital
Net
Premiums
Net
Income
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Major Rating Factors: History of adequate reserve strength (6.9 on a scale of 0 to 10) as reserves have been consistently at an acceptable level. Good overall profitability index (5.6) despite operating losses during 2020 and 2021. Return on equity has been low, averaging 0.3% over the past five years. Good overall results on stability tests (6.2) despite. Stability strengths include good operational trends and good risk diversification. The largest net exposure for one risk is conservative at 1.5% of capital.
Other Rating Factors: Strong long-term capitalization index (7.6) based on excellent current risk adjusted capital (severe and moderate loss scenarios), despite some fluctuation in capital levels. Excellent liquidity (7.3) with ample operational cash flow and liquid investments.
Stability Factors: T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (85.0%), fire (10.2%), other (4.7%)
Licensed in: FL
Principal Investments: Investment grade bonds (42.7%), common stock (29.6%), non investment grade bonds (0.3%), other (27.5%)
Ratios
Premium to Surplus
Reserve to Surplus
1-Year Reserve Development
2-Year Reserve Development
Expense Ratio
Combined Ratio
Cash From Underwriting
Net Premium Growth
Investments in Affiliates
Corporate Info
Group Affiliation
Barrington Capital LLC
Investment Rating
--
Company Address
27599 Riverview Center Boulevard
Bonita Springs, FL 34134
Phone Number
(239) 495-4700
NAIC Number
10688
Largest Affiliates
B
Bonita Springs, FL - P&C