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Peoples Trust Insurance Review

People's Trust Insurance Company was founded in 2008 to provide homeowners and flood insurance for the challenging Florida market. For more than a decade, People's Trust has proven to be a competitive option within the Sunshine State. Probably because of the property carrier's reputation for reasonable rates (including plenty of discounts), as well as rapid claims response. People's Trust appears to check all right boxes for homeowners looking to protect their most substantial investment - home sweet home.

The Protection

Peoples Trust strictly sells Florida homeowners policies with two levels of coverage: Full-Service HO3 or Basic Choice Coverage.

They use the same ISO standard form as the rest of the industry, so you can compare Peoples Trust side-by-side with the established carriers out there. You might find that they are a competitive option for your home insurance.


People's Trust also has plenty of discounts, including being the only carrier in Florida (besides USAA) to offer a veterans discount:

  • 55 Years of Age or Older
  • Military Personnel and Veterans
  • Secured and Gated Community
  • Paperless Policy Delivery
  • Burglar Alarm Credit
  • Insurance Scoring Credit
  • Wind Mitigation Credits

Homeowners Insurance Options

Full-Service HO3 - This is the insurance company's premier protection intended for homes valued at $100,000 or more ($200,000 minimum if you live in Broward, Miami-Dade, or Palm Beach Counties). You can only get People's Trust top tier of coverage if you live in your home full time.

Basic Choice - This is the People's Trust budget-friendly option for a tenant or owner-occupied homes. Basic Choice only provides essential coverage that will still meet your lender's insurance requirements. People's Trust sells this type of policy for homes valued at $50,000 or more. If you live in Broward, Miami-Dade, or Palm Beach Counties, then the minimum home value is $100,000.

Optional Add-On Coverages

Equipment Breakdown - People's Trust sells appliance coverage up to $100,000 for a mere $50 per year. Equipment breakdown coverage also covers up to $10,000 in food spoilage. You can use this plan to safeguard appliances like your A/C, furnace, computer, or home appliances like refrigerators or washing machines.

Buried Utility Lines - Covers you up to $10,000 in coverage for repair of utility lines coming into your home like water, gas, sewer, and electric. People's Trust sells this optional plan for a flat $22 per year.

The Carrier

People's Trust has quickly flourished within a disaster-prone state when many more prominent carriers have retreated. Their corporate stats are impressive.

People's Trust works with more than 115,000 Florida policyholders from its Deerfield Beach, FL headquarters. The carrier presently employs over 300 employees and reported $220 Million in gross written premium (2018).

Since 2014, the company has been Better Business Bureau (BBB) accredited. They maintain an A+ rating from the BBB.

Demotech rated People's Trust with an A Exceptional Financial Stability Rating.

The Claims

People's Trust has a 24/7 Claims Hotline: 877-333-1230. You must call in to report a claim.

In the area of claims, People's Trust does strive to do things a bit differently. For example, the carrier put together a Rapid Response Team to complete home repairs if there are more than $10,000 in damages.

People's Trust Rapid Response Team

People's Trust provides a 3-year, 100% customer satisfaction guarantee on their workmanship. A rare guarantee for the state of FL!

Proud Of You Yes GIF

If you use People's Trust for your homeowners insurance, you cannot choose your contractor for significant repair work ($10,000+), you must use their Rapid Response Program. It's one of the biggest in Florida, though, so you will get standardized, quality-controlled contractors.

Plus, you don't have to worry if you are struggling to come up with your homeowners deductible. People's Trust will give you a payment plan so you can get work started immediately and pay the deductible in installments.

Where is People's Trust Insurance Available?

People's Trust Insurance state coverage map
The Conclusion

People's Trust Insurance Company offers standardized coverage options for Florida homeowners. Where they stand apart is in their Rapid Response Team, handling more extensive repairs with a three-year guarantee! They offer plenty of discounts, including discounts for veterans! For most of their Florida customers, this combination seems to be a winning formula! Keep up the great work!

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At your service,
Young Alfred

Disclosure: People's Trust is one of the many options Young Alfred offers for home insurance. Young Alfred did not receive any compensation or direction from People's Trust in writing this review.