C
Mangrove Ppty Ins Co
Rating Date
June 2026
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: Weak overall results on stability tests (2.2 on a scale of 0 to 10) including excessive premium growth, weak results on operational trends and lack of operational experience. Fair reserve development (3.6) as reserves have generally been sufficient to cover claims. Fair long-term capitalization index (4.6) based on fair current risk adjusted capital (severe loss scenarios).
Other Rating Factors: Excellent profitability index (9.8). Excellent expense controls. Excellent liquidity (7.4) with ample operational cash flow and liquid investments.
Stability Factors: E - Lack of operating experience. R - Concerns about the financial strength of its reinsurers. T - Significant trends in critical asset, liability, income or expense items.
Principal Lines of Business: Homeowners (80.5%), fire (1.3%), other (18.2%)
Licensed in: FL
Principal Investments: Investment grade bonds (68.1%), cash (31.9%)
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
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Investments in Affiliates
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Corporate Info
Group Affiliation
None
Investment Rating
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Company Address
6170 Central Ave
Saint Petersburg, FL 33707
Phone Number
(727) 256-5412
NAIC Number
17735
Largest Affiliates
No affiliate information available.