People’s Trust Insurance Review 2018


Review written by:

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- Policy holder
I have been a customer for 10 years and never needed to file a claim. This year I had lightening that struck a tree in my yard and shot through the roots damaging my home. After several emails and phone calls I was given a quote signed the authorization for work form and never heard from them again. When I called I was informed there was no one to do the work. How do you give a quote if you can’t do the work? I was then informed the claim had been closed. I was told a supervisor would call me. It’s been 2 weeks and still no call. It’s been over 2 months since I initially filed the claim. Worst customer service ever.
Teresal C.
- Policy holder
Don't do it! Horrible company, sends a home inspector that doesn't do a complete inspection and didn't go into my attic yet says my roof is in bad condition and requires immediate repairs lol I'm a licensed home inspector in Florida and I'll challenge this all day but they won't share the report. Stay away from this company.
Joseph D.
- 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.



  • 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 

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