In This Review: Pros and Cons | Cost & Discounts | CoverageFiling a Claim | Customer Reviews | Conclusion | Comparison | Company Information | FAQ | Methodology

Federated National Insurance Company, or FedNat Insurance, has been providing home, renters, condo, umbrella liability, and flood insurance for over 35 years to Florida homeowners. The company’s home insurance policy comes with dwelling, other structures, personal property, additional living expenses, liability, and medical payments coverage and costs close to the national average of $101 per month.

Because the search for a home insurance policy can be overwhelming, the This Old House Reviews Team took an in-depth look at Federated National to help you determine if this company is the best homeowners insurance provider for you.

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Pros and Cons of Federated National Home Insurance

Offers a unique discount for having the proper protections in place to prevent wind damageOnly available in Florida
Has an A+ rating from the Better Business Bureau (BBB)Provides low coverage amounts for other structures, personal property, and loss of use protection
Has a claims center that’s open 24/7



How Much Does Federated National Home Insurance Cost?

Federated National determines the cost of your policy by asking you questions about yourself and your home. Here are just a few facts you could be expected to answer:

  • Date of birth
  • Number and type of pets
  • Marital status
  • Square footage of your home
  • Number of bathrooms in your home
  • Age of your roof

To see how these factors would affect the cost of a policy, we requested a quote from a Federated National insurance agent.

Federated National Cost

Type of CoverageAmount of Coverage
Other structures$5,860
Personal property$73,250
Loss of use$29,300
Medical payments to others$2,500
Deductible$5,860 for hurricanes, $1,000 for all other perils
Monthly cost$127.03

Federated National Discounts

Federated National offers discounts for the following situations:

  • Windstorm loss mitigation
  • Central fire or burglar alarm
  • Gated community
  • New roof
  • Paperless billing
  • Financial responsibility



Federated National Coverage

Federated National homeowners policies are HO-3 policies, which protect against the following events:

  • Weight of snow, sleet, or ice
  • Accidental discharge or overflow of water or steam
  • Frozen plumbing
  • Sudden and accidental tearing apart, cracking, burning, or bulging
  • Volcanic eruption
  • Sudden and accidental damage from an artificially generated electrical current
  • Fire and lightning
  • Windstorm and hail
  • Explosion
  • Riot or civil commotion
  • Vehicles
  • Aircrafts
  • Smoke
  • Theft
  • Vandalism
  • Falling objects

In addition to covering these events, your policy will include the following six types of coverage:

  1. Dwelling—This part of your policy will cover the cost of rebuilding your home if it’s destroyed by a covered event. Dwelling coverage will also protect the built-in parts of your home like the cabinetry and walls.
  2. Other structures—This covers detached structures on your property, like a garage, fence, or shed.
  3. Personal property—If your personal belongings are damaged by one of the covered events listed above, Federated National will pay to replace these items with either new ones or ones of similar value.
  4. Loss of use/additional living expenses—If an incident makes your home uninhabitable, your policy will pay for you to live elsewhere during repairs.
  5. Liability—Liability protection covers any legal fees, medical bills, or repair or replacement costs when you’re responsible for damaging someone’s belongings or injuring them.
  6. Medical payments to others—Federated National will cover medical bills if a guest is injured in your home.

Take a look at what some of your coverage options are with Federated National:

Available Coverage with Federated National

Type of CoverageCoverage Options
Dwelling100% of rebuilding cost
Other structures2% of dwelling
Personal property25% of dwelling
Loss of use10% of dwelling

Note: For a full list of coverage, call Federated National or talk to an independent insurance agent that sells Federated National insurance.

Federated National Additional Coverage

Here are the endorsements that you can add onto your policy for an additional amount each month:

  • Water backup and sump discharge or overflow
  • Ordinance or law
  • Identity fraud expense

Your policy may also come with the following protections at no extra charge:

  • Fungi, wet or dry rot, and bacteria
  • Silverware, goldware, and pewterware
  • Jewelry, watches, and furs

If you increase the amount of protection for these items, your premium will increase.



Customer Service and Claims Support

For general customer service, you can call 833-433-3628 or 800-293-2532 for a toll-free option. When you call customer service, you can select the department you want to be transferred to, like the sales department or billing department.

If you’re purchasing a new policy, you can call the listed numbers or use the “Find An Agent” tab on the Federated National website to look for independent agencies near you that sell home insurance policies. For questions about the claims process, you can call the claims center directly at 954-308-1200, which is available 24/7, or log in to your customer portal.



Federated National Home Insurance Reviews

Federated National is accredited by the BBB and has an A+ rating with the company. Here’s a sampling of Federated National insurance reviews:

Leo H said:

“I’ve had two claims due to hurricanes and they were exceedingly fast and extremely fair in settling them. A really great company I would highly recommend.”

Allan N said:

“Fed Nat quickly responded to our roof damage claim. Sent an adjuster within a few day and shortly thereafter our claim was approved. Very satisfied.”

Elayne A said:

“We have been insured with Federal National for 6 years with no claims. After renewing the policy in May, 2022, they turned around a week later and sent a “we are cancelling you in 30 days for no reason” letter. The time to do that was BEFORE renewing the policy. Isn’t this a breach of contract? Absolutely inexcusable.”



Our Conclusion

Federated National offers homeowners insurance policies with dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage. You can also add on coverage options for jewelry, watches, furs, and identity theft expenses that will further protect you and your home.

Some downsides to Federated National are that the company is only available in Florida, doesn’t have a mobile app or online chat, and has low coverage limits. Additionally, Federated National offers 2% of dwelling for other structures coverage, 25% for personal property, and 10% for loss of use, while most insurance policies come with 10% of dwelling for other structures coverage, at least 50% for personal property, and 20% for loss of use.

To compare coverage and pricing from other home insurance providers, input your zipcode into the tool below.

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Compare Federated National to the Competition

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Company Information

  • Company name: Federated National Insurance Company
  • CEO: Michael Braun
  • Years in business: 36
  • State availability: 1
  • Address: P.O. Box 407193
  • City/State: Fort Lauderdale, FL
  • Zipcode: 33340
  • BBB rating: A+



Frequently Asked Questions About Federated National



Our Methodology

The This Old HouseReviews team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.

With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:

  • We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
  • We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
  • We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
  • We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.

With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:

  • Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
  • State availability (7.5): Companies scored higher if they covered more states than their competitors.
  • Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
  • Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
  • Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau (BBB) ratings.
  • Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.

Our Reviews team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.

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