Patriot Select Insurance Company Review

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Written by
Darren Craft
Patriot Select Insurance Company Review

Worth Insurance’s Take: Patriot Select focuses solely on the Florida market, offering stable, tailored homeowners insurance backed by strong financial ratings. Their community-first mindset, local expertise, and customizable packages make them an attractive choice for many Floridians.

Patriot Select Insurance Company Review
Financial Rating
A (Exceptional) by Demotech
NAIC
16864
NAIC Group
N/A (Patriot Select operates independently)
Address
5999 Central Ave., Suite 300, St. Petersburg, FL 33710
Service Phone Number
Claims Phone Number
Jurisdictions
Florida only
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Company Overview

Patriot Select Insurance Overview

Patriot Select is a Florida-based property and casualty insurer built specifically for homeowners facing the state's unique challenges, including hurricanes and severe weather. Headquartered in St. Petersburg, FL, Patriot Select blends traditional service values with modern technology to deliver dependable, efficient coverage.

Quick Facts:

  • Founded: Recently established to serve Florida exclusively
  • Headquarters: St. Petersburg, FL
  • States Served: Florida only
  • Financial Stability: Rated A (Exceptional) by Demotech
  • Customer Service: Technology-enhanced for faster claims and support

Patriot Select’s local expertise and Florida-first mindset help them craft products that meet the needs of both seasoned homeowners and first-time buyers navigating a tough insurance market.

Pros and Cons

Is Patriot Select a Good Insurance Company?

Yes — particularly for Florida homeowners who want a financially strong, locally rooted insurer. Patriot Select offers strong policyholder protections and service benefits like:

Pros
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Florida-focused policies and service
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Strong financial stability
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Local customer service and claims support
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Premium packages to enhance base coverage
carriers pros
Available only in Florida
Cons
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Premium pricing
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Relatively new compared to larger, national brands
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Patriot Select is best suited for homeowners who want a company that understands Florida’s unique risks — and is built to handle them.

Products and Packages

Patriot Select Homeowners Insurance Products & Packages

Homeowners Insurance (HO-3 Policy)

Patriot Select provides comprehensive HO-3 policies that cover:

  • Your home's structure (Coverage A)
  • Other structures like detached garages (Coverage B)
  • Personal belongings (Coverage C)
  • Temporary living expenses (Coverage D)
  • Personal liability coverage (Coverage E)
  • Medical payments to others (Coverage F)

All base policies include replacement cost coverage and customizable deductible options.

Enhanced Coverage Packages

Patriot Select also offers Patriot Package and Minuteman Package add-ons, bundling popular upgrades for easier protection:

These options allow homeowners to conveniently scale coverage based on their needs and risk tolerance.

Pricing & Premiums

Patriot Select Premiums & Discounts

Premiums at Patriot Select are competitive within Florida, especially when factoring in their strong emphasis on financial stability and superior customer service.

Available Discounts:

  • Senior/Retiree Discount (10%)
  • Veteran/Military Discount (5%)
  • New Roof Discount
  • Secured Community Discount
  • Protective Device Discount
  • Accredited Builder Discount
  • Windstorm Loss Mitigation Discounts (up to 90% of wind premium)

If you qualify for multiple discounts, you can significantly lower your overall premium while maintaining robust protection​.

Discounts and Credits

What About Deductibles?

Patriot Select offers comprehensive deductible flexibility:

  • All Other Perils (AOP) deductible options
  • Hurricane deductible typically set as a percentage of Coverage A (common in Florida)

Optional roof settlement schedules and comprehensive deductible structures allow for better customization depending on your home’s condition and your financial preference.

How to File a Claim

Patriot Select Insurance Claims Process

Patriot Select leverages technology to streamline the claims process. Homeowners can report claims via phone or through their online platform, ensuring quick responses and efficient handling.

Claims Contact:

Their Florida-based team offers faster communication and resolution, especially critical after weather events when rapid claims service is essential​​.

How to Make a Payment

How To Make a Payment With Patriot Select

Payments can be made securely through Patriot Select’s online portal, where customers can log in and manage billing easily.

Payment Portal: Make a Payment

Multiple options, including credit card and eCheck to their Florida office, are available to help you stay on top of your policy without hassle.

5 Best Patriot Select Insurance Alternatives

We recommend exploring a few alternatives to Patriot Select Property and Casualty Insurance and requesting multiple home insurance quotes. These options are worth considering:

Operating primarily in Florida, Patriot Select’s key competitors include both tech-driven startups and traditional insurers with a strong presence in the state.

Slide Insurance is a tech-forward competitor focused heavily on using data analytics to customize homeowners insurance policies quickly and efficiently. Their streamlined approach appeals to Floridians looking for fast service with modern digital tools.

Universal Property & Casualty Insurance Company is a major player in the Florida market, offering broad, tailored coverage options and having extensive experience handling Florida-specific risks like hurricanes and floods.

Florida Peninsula Insurance specializes in homeowners policies designed for Florida’s coastal risks, bringing decades of underwriting experience and a wide agent network across the state.

Kin Insurance is another tech-savvy insurer that provides direct-to-consumer homeowners insurance with an emphasis on affordability and simplicity, making it a good choice for tech-comfortable buyers seeking customized options.

Homeowners Choice Property & Casualty Insurance Company offers robust traditional coverage with deep expertise in Florida’s challenging insurance environment. They have a reputation for strong customer service and local claims handling.

Patriot Select’s focus on a strong financial foundation and local expertise positions it competitively against these alternatives, particularly for homeowners who prefer a balance of personal service and innovative insurance options.

Is Patriot Select Home Insurance Right For You?

Patriot Select is a fantastic choice if:

  • You want a Florida-focused, community-driven insurer.
  • You prefer personalized service with strong financial backing.
  • You’re looking for customizable, enhanced coverage options.

If you're comparing quotes or want personalized advice or want to ask more questions about our Patriot Select Insurance review, Worth Insurance can help you navigate the best options tailored to your needs. Get your free quote here.

Frequently Asked Questions

Frequently Asked Questions

What is Patriot Select Insurance?

Worth Insurance

Patriot Select is a Florida-based property and casualty insurance company offering homeowners insurance tailored to Florida's unique risks.

Is Patriot Select financially stable?

Worth Insurance

Yes, they hold an A, Exceptional Financial Stability Rating® from Demotech​.

What discounts does Patriot Select offer?

Worth Insurance

Patriot Select offers discounts for seniors, veterans, new roofs, security systems, and more​.

You have several convenient options to obtain a quote:

  • Online: Visit Vault's website and complete their online quote request form.
  • Phone: Call their dedicated team at (212) 972-7583 to discuss your needs and receive a personalized quote.
  • Consultation: Reach out to Worth Insurance for expert guidance and a comparative quote, ensuring you find the perfect fit for your needs.

How do I file a claim with Patriot Select?

Worth Insurance

You can file a claim by calling 888-404-5804 or visiting their claims page.

Vault offers 24/7 claims support, ensuring you receive prompt assistance whenever the unexpected occurs.

  • General Claims: Call 1-844-388-LOSS (5677) or email CLAIMSFNOL@VAULT.INSURANCE
  • Roadside Assistance: Call 1-833-741-1141 or click "GET HELP NOW" on their website.
  • Glass Claims & Repair: Call 1-800-865-9501 or click "FIX MY GLASS" on their website.
  • International Callers: Call 1-727-440-3559

Can I manage my Patriot Select policy online?

Worth Insurance

Yes, customers can log in to the customer portal to manage their accounts, make payments, and report claims.

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Written by
Darren Craft
Writer, Insurance
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Darren Craft is a Florida based licensed insurance agent. He has worked in the insurance industry for over 10 years and in the financial services industry for over 20 years. He currently serves as the agency principal for Worth Insurance Services, LLC. Prior to Worth Insurance, Mr. Craft led the launch of Zinc Insurance Services, LLC., a venture backed national insurance brokerage that helped pioneer point of sale insurance for high value consumer goods. Mr. Craft is a born and raised Floridian that is passionate about helping Florida homeowners protect one of their largest assets. He writes regularly on Florida home insurance carriers, Florida insurance regulation, and the Florida real estate and insurance markets. The Florida home insurance market can be difficult to navigate. Mr. Craft hopes to provide insights and educational content through the Insurance Insights library of articles and Carrier Reviews directory.