People's Trust Insurance Company Review

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Written by
Darren Craft

People’s Trust Insurance Company, headquartered in Deerfield Beach, Florida, has established itself as a notable player in the life and homeowner insurance sector within the state. With a strong financial rating of 'A' from Demotech, the company aims to provide robust insurance solutions tailored to the unique climatic challenges of Florida.

Financial Rating
A on Demotech
NAIC Group
18 People's Trust Way, Deerfield Beach, Fl 33441
Service Phone Number
Claims Phone Number
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People's Trust Insurance Overview

The company enjoys positive customer feedback, boasting a 4.0 star rating on Google from over 1,500 reviews and a 4.42 star rating on the Better Business Bureau (BBB). These ratings reflect a reliable service and customer satisfaction that underscores the company's commitment to its employees and policyholders.

  • Location: Deerfield Beach, Florida
  • Financial Rating: 'A' by Demotech
  • Customer Ratings: 4.0 stars on Google, 4.42 stars on BBB
  • Market Experience: Over a decade in Florida's homeowner insurance market
  • NAIC Code: 13125

People's Trust Insurance stands out in the Florida insurance market through its dedicated customer service and tailored coverage options that meet the diverse needs of its clients. The company's ratings and longstanding presence solidify its reputation as a reliable provider.

People's Trust Insurance Products and Packages

People's Trust Insurance Company specializes in homeowner's insurance, providing robust coverage options tailored to address a range of potential risks homeowners face in Florida. Their HO3 policy forms the core of their offerings, covering a variety of perils including fire, theft, and weather-related damages.

This insurer emphasizes flexibility in their policies, allowing homeowners to add additional coverages for comprehensive protection. These include endorsements for high-value items and liability coverage, ensuring that homeowners can tailor their insurance to meet specific needs beyond the standard policy.

  • Standard HO3 Policy: Covers most common perils like fire, wind, and theft
  • Additional Coverages: Options for valuables, liability, and more
  • Exclusions: Standard exclusions apply, such as floods

Basic Homeowner's Package

This basic package provides essential coverage against fire, theft, wind, and hail. Ideal for homeowners seeking straightforward protection without extensive add-ons. It's a cost-effective option that covers the fundamental risks associated with owning a home in Florida.

Enhanced Protection Package

Offering more than the basic package, this includes additional coverage for water damage and liability protection. It’s designed for homeowners who need broader coverage encompassing more specific risks, like water damage from plumbing issues, and increased liability limits.

Premier Homeowner's Package

The most comprehensive package available, it includes all benefits of the Enhanced Protection, plus coverage for high-value items such as jewelry and art. It also offers greater value and higher limits on all coverages, making it suitable for homeowners with significant investments in their property and personal belongings.

People's Trust Insurance Premiums

People's Trust Insurance Company offers competitive rates on their homeowner's insurance plans in Florida, maintaining affordability across a variety of coverage options. Their tiered pricing structure includes plans like the Full-Service HO-3, tailored for comprehensive homeowner protection, and the Basic Choice Plan, which is more budget-friendly and suitable for tenants.

  • Diverse Plans: Offers both comprehensive and budget-friendly insurance options.
  • Affordable Rates: Known for some of the most competitive rates in the Florida insurance market.
  • Optional Add-Ons: Provides optional flood and equipment insurance at additional costs.

People's Trust is praised for its affordable insurance solutions despite periodic increases in renewal premiums. The company's commitment to providing value through a range of plans and optional add-ons helps cater to diverse homeowner needs in Florida​​.

People's Trust Insurance Discounts and Offers

People's Trust Insurance Company provides several discounts to help make their policies more affordable for various groups of customers in Florida. These discounts cater to seniors, military personnel, and residents of secure communities, among others.

  • Senior Discount: 5% off non-hurricane premiums for individuals 55 years old and above.
  • Military and Veterans Discount: 5% off for military personnel and veterans.
  • Gated Community Discount: Discounts for residents in secure, gated communities.
  • Paperless Discount: Savings for opting into electronic policy management.
  • Burglar Alarm Discount: Reduced rates for homes with security systems.

People's Trust Insurance Company Customer Service

People's Trust Insurance Company is known for its responsive and accessible customer service, crucial for homeownersand business who need support with their insurance needs. They offer a direct line to their customer service team which operates within standard business hours throughout the week.

  • Availability: Monday through Friday, from 9:00 AM to 5:00 PM.
  • Contact Methods: By phone at 1-800-500-1818 or via email at
  • Direct Communication: Customers can expect direct interaction with knowledgeable representatives.

Eligibility & Underwriting Requirements

When choosing People's Trust Insurance for your Florida home, it's important to understand the prerequisites and documentation needed to streamline the process. This ensures a smooth transition from application to coverage, allowing you to fully protect your property without delays.

  • Home Value: Insurance coverage options vary based on the location and value of your home.
  • Occupancy: Both owner-occupied and tenant-occupied homes are eligible, with specific policies tailored to each.
  • Location Specifics: Minimum home values for coverage differ in areas like Miami-Dade, Broward, and Palm Beach counties compared to other regions in Florida.

Documents Required

To ensure a comprehensive and compliant insurance policy with People's Trust, several key documents are typically required during the application process. This documentation helps verify ownership and assess the property adequately.

  • Proof of Ownership: Such as a deed or recent mortgage statement.
  • Government-issued ID: To verify identity and legal residency.
  • Property Details: Including a recent home appraisal or property tax statement.
  • Insurance History: Previous home insurance policies, if applicable.

People's Trust Insurance Application Process

Applying for home insurance with People's Trust Insurance is designed to be straightforward and user-friendly, ensuring you can secure coverage efficiently. The company emphasizes direct interaction, providing assistance through their licensed agents who guide you through choosing the right policy, completing the application, and setting up home inspections. This hands-on approach facilitates a smoother entry into your coverage period.

Once you've selected a policy, People's Trust streamlines the rest of the process. They conduct a detailed inspection of your home to ensure that all potential issues are identified and addressed early, which helps maintain affordable premiums. This inspection is a unique service that adds value by preparing you and your home for the coverage to commence without unforeseen complications.

  1. Policy Selection: You can discuss your options with a representative or an independent agent to find the best fit for your needs.
  2. Application Completion: Assistance in filling out all necessary forms correctly.
  3. Home Inspection: A comprehensive evaluation to finalize your policy terms.

How to Make a Payment to People's Trust Insurance

People's Trust Insurance offers multiple convenient payment options for their policyholders, ensuring that managing your policy and making payments is as seamless as possible. Whether you prefer to handle your transactions online, by phone, or through traditional mail, the people's trust insurance company review accommodates various preferences to suit your needs.

  1. Online Payment: You can pay your bill anytime at This platform allows you to manage your policy, view billing activity, and make payments without any additional fees. Signing up for online access also provides the option to receive electronic billing, which can offer a discount on your premium.
  2. Phone Payment: Payments can be made over the phone using a bank draft or credit/debit card (American Express, MasterCard, Visa, and Discover accepted) by calling 561-609-1000 and selecting Option 1. This service is available without any additional surcharge, although installment fees may apply.
  3. Mail Payment: If you prefer to pay by check, you can send it directly to People’s Trust Insurance at their Deerfield Beach address. Remember to include your policy number in the memo section of your check.

People’s Trust also offers several payment plans, including full payment, two-payment installments, quarterly payments, and monthly payments through Electronic Funds Transfer (EFT), which debits your checking account automatically. These plans are designed to fit different budgeting needs and include a nominal service charge​​​​​​.

How to File a Claim with People's Trust Insurance

Filing a claim with People's Trust Insurance is streamlined to ensure quick and efficient handling of your claim, minimizing stress and disruption to your daily life. The company emphasizes direct communication and a rapid response team to help manage your claims process smoothly and effectively.

  1. Contact People's Trust Immediately: At the first sign of damage, call People’s Trust Insurance at 561-609-1002. This initial contact will set the claims process in motion.
  2. Use Online Claims Filing: Alternatively, you can start the claims process online by filling out a form on People's Trust’s website. This is especially useful if you prefer digital communication.
  3. Immediate Emergency Mitigation: If the situation is urgent, the Rapid Response Team will be dispatched to mitigate any damage, preventing further issues.
  4. Scheduled Damage Assessment: A representative from People’s Trust will contact you to schedule a time for a comprehensive assessment of the damage.
  5. Deductible Payment: Be prepared to pay your deductible as required, which is necessary before home repairs can commence. Financing options are available if needed.
  6. Coverage Discussion: You’ll receive a call from a claims adjuster to discuss the details of your claim and clarify your coverage.
  7. Repairs and Satisfaction Guarantee: The affiliated Rapid Response Team handles all repairs, backed by a 3-year, 100% customer satisfaction guarantee on workmanship.

People's Trust Insurance Company Pros and Cons

Evaluating People's Trust Insurance offers insights into both the advantages and challenges of their services. Below is a concise list of the prominent pros and cons, providing a snapshot of what policyholders might expect:


  • Rapid claims process
  • No-hassle claim recovery
  • Strong financial stability
  • 24/7 customer support
  • Comprehensive coverage options (especially during hurricane season)
  • Well-respected chief executive officer and president
  • Located in Research Park at Florida Atlantic University


  • Limited to Florida
  • Premiums may increase
  • Deductible payment required
  • Fewer agent choices
  • Mandatory inspections

Who It's For: People's Trust Insurance is ideal for Florida homeowners seeking robust insurance coverage with a fast claims process. It suits those who value a straightforward, managed repair service and comprehensive support during claims, during recovery and particularly in emergency situations. Suitable for both new homeowners and those experienced in property management.

Wrapping Up

People's Trust Insurance offers a compelling option for homeowners in Florida, combining rapid response and comprehensive coverage with a customer-first approach. Their emphasis on efficient claim handling and robust support makes them a strong contender for anyone looking to secure their home against potential risks.

Ready to insure and protect your home with confidence? Visit People's Trust Insurance to explore your options and get a quote today. Whether you're facing the unique challenges of Florida's climate or simply seeking peace of mind, People's Trust Insurance is ready to assist.

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Written by
Darren Craft
Writer, Insurance
Read more from author
Darren Craft is a licensed insurance advisor. He has been an angel investor in a number of prominent fintech and insurtech startups.

Frequently Asked Questions

What is People's Trust Insurance Company's average claim response time frame?

Many of the People’s Trust Insurance Company’s customers cite that the response times for the claims process are acceptable and timely. 

What is People's Trust Insurance Company's claims process?

You can file a claim with People’s Trust Insurance by calling 877-333-1230. This claims hotline is available 24/7. The insurance company will coordinate and execute all aspects of the recovery process they can help with. This means that they will try to get your home back to its pre-incident condition through repairs and checks. 

People’s Trust Insurance has a 24/7 Rapid Response Team in place that can be deployed immediately to your home when you need it to help prevent further damage. After this, the People’s Insurance field adjuster will assess the damage and determine how much coverage applies to the situation. 

Does People's Trust Insurance Company have good homeowners insurance?

People’s Trust Insurance Company offers excellent customer service and customer experience for its policyholders. This means that you may be able to enjoy better peace of mind and financial protection with People’s Trust Insurance. 

What is People's Trust Insurance Company's customer service availability?

Customer service can be reached by phone at 1-800-500-1818 during People’s Trust Insurance’s business hours, which 9:00 AM to 5:00 PM Monday through Friday. You can call their claims center at 877-333-1230, which can be reached 24/7. The Rapid Response Team that is dedicated to helping customers at the scene of an emergency is also available 24/7.

Does People's Trust Insurance Company create a user-friendly experience for customers?

With the many positive customer ratings, it appears that People’s Trust Insurance has provided a user-friendly experience for its customers. Many customers rate the insurance company as excellent, citing its claims process as easy and helpful. 

In addition, People’s Trust Insurance makes an effort to answer all the negative reviews to resolve any issues that may arise, which is a great sign. 

Is People's Trust Insurance Company a good insurance company?

People’s Trust Insurance Company is an overall good insurance company. If you want to see whether they have the most competitive rates, Worth Insurance can help you quickly check!