Patriot Select Insurance Company Review
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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.
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:
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:
- Phone: 888-404-5804
- Online Claims: Submit a Claim
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:
- Slide Insurance
- Universal Property & Casualty
- Florida Peninsula Insurance
- Kin Insurance
- Homeowners Choice Property & Casualty Insurance
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.
Conclusion
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?
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?
Yes, they hold an A, Exceptional Financial Stability Rating® from Demotech.
What discounts does Patriot Select offer?
Patriot Select offers discounts for seniors, veterans, new roofs, security systems, and more.
How do I file a claim with Patriot Select?
You can file a claim by calling 888-404-5804 or visiting their claims page.
Can I manage my Patriot Select policy online?
Yes, customers can log in to the customer portal to manage their accounts, make payments, and report claims.
