People’s Trust Insurance Review 2021


Review written by:

- Policy holder
Great rates, . The only reason I wont give it a 5 star, is because every attempts to reach the same person who handled my initial request (although I have his direct extension) was impossible. The bright side is... The agent Ms. Doreen who ended up finalizing my policy (although it took time) was AMAZING!!!
Yvette J.
- Policy holder
Very polite and quick to respond after Hurricane Irma. Helped me through the process as it was my first time filing a claim. I also saw a quick turnaround for payout to start fixing the damages to my house. Highly recommended.
Whitney V.
- Policy holder

Carrier Overview

People’s Trust is a home insurance company in Florida that touts its unique approach to customer service. The insurer is affiliated with a general contracting company, known as the Rapid Response Team, which coordinates the process of home repairs.

People's Trust Insurance has created a better way to deliver Florida homeowners insurance protection to Floridians. Built on preparedness and rapid response, its unique approach provides the greatest value and a simplified recovery experience for its policyholders. Here’s how the model compares with other insurance companies: 

As a People’s Trust policyholder, you are part of a large and growing number of Floridians who want their home insurance company to be a full partner in recovery after a loss. With just one phone call, the affiliated general contracting company, the Rapid Response Team is ready to deploy 24/7 to mitigate damage to prevent further loss and make emergency repairs. Its ethic of preparedness and the upfront investment by Rapid Response Team means you pay less – the company saves its policyholders time, money and stress. 

Customer Service: 1-888-500-1818



  • Homeowners
  • Basic Choice
  • Flood insurance

How to Buy a Policy

People’s Trust allows you to purchase a policy by connecting with one of its agents, by using an online tool or requesting a quote online. Its ‘Find An Agent’ tools provides you with contacts of nearby agents after entering a zip code.

In the meantime, you can request a quote directly on the website by answering a series of questions about your home. Afterward, a quote is provided and you are instructed to schedule a phone call with a representative.

Click here for your quote.   


Discounts offered

According to its website, People’s Trust offers discounts to homes with smoke detectors, security systems, and wind mitigation.

In order to determine your eligibility for the wind mitigation discount, you must first submit an inspection form completed by a qualified inspector.



  • smoke detectors 
  • security systems
  • wind mitigation

How to make payments

People’s Trust offers three ways to pay for your policy. The first way is to pay online at This is an online service to manage your policy.

The second way is to pay over the phone using a bank draft, debit or credit card. The insurer accepts MasterCard, Visa, and Discover. To pay by phone, call 888-364-8557.

Finally, you may also pay by mailing a check if you are a current policyholder. This check should be mailed to 18 People’s Trust Way, Deerfield Beach, FL 33441. The insurer encourages you to add your policy number in the memo section of the check.


How to File a Claim

If you need to file a claim, People’s Trust offers a 24/7 claims hotline at 877-333-1230.

If it’s an emergency, the Rapid Response Team will arrive at your home immediately to prevent any further damage. Otherwise, you can expect a call from the insurer to schedule a time for a representative to assess the your claim.



  • Policy number
  • Date of loss
  • Loss description

Reinsurance program

According to its website, People’s Trust has a strong balance sheet and a solid reinsurance program with private-market partners.

This provides the insurer the security that it can restore its policyholders to pre-loss condition in the event of not just the big 100-year storm, but additional coverage after that, the website states.

More information can be found here.

Career Opportunities

People's Trust has over 200 employees and says it is guided by ethics and values that focus on integrity, responsibility, quality and trust for our team of associates and policyholders. The company welcome employees to bring new ideas, fresh perspectives, a diversity of experiences, and a dedication to service that help us better meet the needs of Floridians each and every day. Here are the latest job opportunities at People's Trust.


How to Become an Agent 

become an agent

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