FedNat Insurance Company Review 2021


Review written by:

- Policy holder
Imagine the shock of walking into warm water ankle deep in a bedroom and the two adjoining rooms are wet. Fed Nat sent a crew in less than 90 minutes. We can't say enough nice things about the restoration crew with Jorge our inside adjuster Daryl. Jorge came on Saturday and Sunday to check how the remediation was going. Daryl was not only professional and knowledgeable, he was through, fast and forth coming with helpful tips and advice that made the process and the restoration of our home so much easier. Very courtesy and extremely emphatic which is so rare. Fed Nat was there when I needed them. A++
Dana S.
- Policy holder
I have had such an outstanding experience with Fed Nat with our homeowner's claim. I have never made a claim and to be honest, I was nervous as I have heard so many awful stories about the process (not with a particular company, just in general). Our adjuster, Scott Nathan, has been so professional and empathetic. I have not had to chase anyone down for follow ups or answers, they have been very communicative throughout the entire process. I cannot say enough about how pleased I am with this company. Florida Statewide Insurance assured me when we bought the home that this was the best insurance I could have and I am so grateful!
Tracy R.
- Policy holder

Carrier Overview

FedNat Insurance Company has been providing individuals and businesses with peace of mind for more than 25 years. Founded in Florida in 1992, we are committed to providing fair and competitive pricing coupled with exceptional customer service. FedNat Insurance Company currently holds a Financial Stability Rating® of “A” (Exceptional) by Demotech, Inc. and an A+ by the Better Business Bureau.  

FedNat underwrites homeowners’ multi-peril (“homeowners”), federal flood and various other lines of insurance in Florida. FedNat also underwrites homeowners’ and dwelling fire policies in Alabama, Louisiana, South Carolina and Texas through its partnership with SageSure Insurance Managers. 

FedNat affiliated companies are licensed and have the facilities to market and underwrite other insurance carriers’ lines of business, as well as to process and adjust claims for third party insurance carriers. FedNat is committed to providing fair, expedient, and personalized claims handling to all of our customers. Our experienced claims team has paid in excess of $2.5 Billion in claims, including $370 million from the Florida Hurricanes of 2004 and 2005 and over $300 million from Hurricane Irma in 2017.

Customer Service: (800) 293-2532



  • Homeowners
  • High value homes
  • Condo
  • Flood
  • Umbrella liability
  • General liability  

How to Buy a Policy

Federated National partners with insurance agents around Florida to sell its policies. You can get in touch with one of their agents directly from its website. A phone number and address are provided after you enter your zip code.

Federated National also allows you to ask for a quote on its website. After filling out a questionnaire, a summary of your information is provided with message saying that your request for a quote has been received.


Discounts offered



How to make payments

Federated National allows you to submit payments online through a customer portal. You start by choosing the policy you wish to pay for and then the state you live in. You are then taken to a portal which asks for your policy number and zip code.


How to File a Claim

To report a new claim to Federated National, you may call its claims team at (800) 293-2532. According to its website, Federated National is “committed to providing fair, expedient, and personalized claims handling” to its customers. The company has full-time licensed adjusters on staff as well as a customer service team that is available 24 hours a day.



  • Policy number
  • Date of loss
  • Loss description

Reinsurance program

According to its website, Federated National has a reinsurance program that afford its policyholders approximately $2.19 billion of aggregate coverage, with a maximum single event limit of $1.56 billion. The program is designed to protect its existing capital and reduce its earnings volatility.

Career Opportunities

FedNat says it values experienced insurance professionals who share its dedication to exceptional customer service. The company continuously seeks individuals who are qualified, highly motivated and demonstrate its principles of professionalism, cooperation, communication, accountability, innovation and respect. Here are the latest job opportunities at FedNat.


How to Become an Agent 

Federated National asks that agents interested in working with the company email or fax an application form. Agents may contact the company by calling (800) 293-2532 or emailing marketing@FedNat.com.

become an agent

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