TypTap Insurance Company Review

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Written by
Darren Craft

Typtap Insurance, established in 2016 and headquartered in Ocala, Florida, has quickly become a noteworthy name in the property and casualty insurance sector. With a focus on homeowners and flood insurance, Typtap is recognized for its direct and user-centric approach, appealing to Florida residents seeking straightforward coverage options. Despite mixed reviews, their commitment to simplifying insurance processes shines through, evidenced by a user-friendly website and clear communication channels.

Financial Rating
A on Demotech
NAIC Group
HCI Group
3001 S E Maricamp Rd, Ocala, Fl 34471
Service Phone Number
Claims Phone Number
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Typtap Insurance Company Overview

On the financial front, Typtap Insurance boasts robust stability, with Demotech affirming its strong financial outlook. This is significant for policyholders who prioritize reliability in their insurance provider. However, potential customers should be mindful of the company's limitations, such as a more restricted product range compared to competitors and the absence of publicly available discount information which could enhance the appeal for cost-conscious shoppers.

  • Established: 2016, Ocala, Florida
  • Focus: Homeowners and flood insurance
  • Financial Stability: Strong, as rated by Demotech
  • Customer Reviews: Mixed, with a 4.3-star rating on Google and a 1-star rating on the Better Business Bureau
  • Expansion: Aiming to grow beyond Florida
  • Product Range: More limited compared to larger insurers

Despite these mixed reviews and a somewhat limited range of products, Typtap Insurance's dedication to a hassle-free customer experience and financial reliability makes it a compelling choice for many homeowners in Florida. Their proactive approach to expansion and customer service highlights their potential to evolve and cater to a broader audience in the coming years.

Typtap Insurance Products and Packages

Typtap Insurance, a subsidiary of HCI Group, has broadened its horizons by extending its proprietary online platform to include homeowners' insurance, adding to its already established flood insurance offering. This strategic move aims to replicate the success Typtap has experienced with its flood insurance product, leveraging technology for streamlined underwriting and sales processes​​. Customer feedback highlights Typtap's appealing coverage options for homeowners, including unique offerings for older homes and comprehensive water damage coverage, distinguishing them from competitors​​.

The company’s focus on leveraging technology, like their in-house developed underwriting system that evaluates risk down to the rooftop level, has played a crucial role in their profitability and operational efficiency. This system takes into account various property characteristics to price the risk accurately, ensuring that premiums are in line with the actual risk posed by the property​​.

  • Homeowners and Flood Insurance: Core offerings in Typtap’s insurance portfolio.
  • Technology-Driven: Utilizes a proprietary online platform for streamlined insurance processes.
  • Unique Coverages: Specializes in policies for older homes and offers comprehensive options that go beyond many competitors.

TypTap Home® Insurance

A homeowners insurance offering that leverages "positive underwriting" through Typtap’s InsurTech platform to simplify the underwriting and sales process. This product is specifically designed to address the needs of Florida homeowners, promising efficiency and comprehensive coverage tailored to the unique risks of the state​​.

Flood Insurance

Typtap’s flood insurance distinguishes itself from the National Flood Insurance Program by providing a streamlined online quoting and binding experience. This offering targets homeowners looking for efficient and reliable flood coverage, backed by the technological prowess of Typtap's InsurTech solutions​​.

TypTap Premiums

Typtap Insurance has marked a significant presence in the insurance industry through strategic product offerings and leveraging technology. The company's approach to premiums reflects a balance between competitive pricing and maintaining financial stability, ensuring that policyholders receive value for their investments.

In 2023, Typtap Insurance Company saw a notable increase in gross written premiums to $114,701,000, up from $86,153,000 the previous year. This growth signifies the company's expanding footprint and customer trust in their product offerings​​. Additionally, the gross premiums earned in the same period were $87,612,000, highlighting the company's capacity to generate revenue and manage risks effectively​​.

  • Homeowners Insurance: Premiums are crafted to cater to a wide range of homes, reflecting the property's value and risk factors.
  • Flood Insurance: Average premiums for properties in A and V flood zones hover around $2,000, offering crucial protection without the wait times and restrictions typical of NFIP policies​​.

Financial Summary

  • Financial Stability: Typtap Insurance is underpinned by strong financial stability as rated by Demotech, showcasing its robust ability to meet policyholder obligations​​.
  • Reporting Periods and Key Financial Metrics:some text
    • As of March 31, 2022:some text
      • Net Admitted Assets: $326,780,954
      • Policyholders Surplus: $92,963,615
      • Gross Premiums Written: $86,765,219
      • Net Premiums Written: $86,661,894
    • As of December 31, 2021:some text
      • Net Admitted Assets: $286,695,675
      • Policyholders Surplus: $93,357,204
      • Gross Premiums Written: $248,974,050
      • Net Premiums Written: $167,104,794
    • As of December 31, 2020:some text
      • Net Admitted Assets: $120,620,329
      • Policyholders Surplus: $38,518,070
      • Gross Premiums Written: $105,816,185
      • Net Premiums Written: $64,086,785

Discounts and Offers

TypTap Insurance, known for its homeowner and flood insurance products, provides a variety of coverage options to meet the needs of its policyholders. While TypTap does not publicly list specific discounts on their website, it's understood in the insurance industry that certain common discounts may be available. To get the most accurate and up-to-date information on TypTap's discounts, it's recommended to contact their customer service directly or consult with local agents who are associated with TypTap.

Potential discounts that might be available through TypTap, based on industry standards, include:

  • Bundling Discounts: Savings for policyholders who purchase more than one type of insurance policy from the same company.
  • Claims-Free Discount: Rewards for customers who have not filed a claim within a specified period.
  • Security System Discount: Discounts for homes equipped with security systems or smart home technologies that monitor for break-ins, fires, and water damage.
  • Loyalty Discounts: For customers who have remained with TypTap for several years.

Customer Service

TypTap Insurance is committed to providing exceptional customer service, ensuring policyholders receive prompt and comprehensive support for their insurance needs. Whether you're filing a claim, seeking clarification on your policy, or need assistance with policy adjustments, TypTap's dedicated team is ready to help. Their customer service infrastructure is designed to offer seamless, efficient support to address your concerns swiftly and effectively.

For assistance, you can reach TypTap Insurance through the following channels:

  • Customer Service Phone Number: For general inquiries or support, call 844-289-7968.
  • Claims Reporting and Support: To report a claim or get help with an existing claim, use the same number, 844-289-7968, or email fnol@typtap.com.
  • Fax for Claims Documentation: Send any necessary documentation for your claim via fax to 352-533-4073.
  • Email for General Inquiries: For non-urgent matters or general questions, you can email customerservice@typtap.com.

Eligibility & Underwriting Requirements

When considering TypTap Insurance for your homeowner or flood insurance needs, understanding the prerequisites and requirements for policy application is crucial. TypTap Insurance leverages innovative technology to streamline the insurance process, making it simpler for potential policyholders to apply for coverage. While specific details might vary based on the type of insurance you're seeking, some general guidelines can help you prepare for the application process.

Documents Required

Before applying for insurance with TypTap, it's important to gather necessary documents that will be required during the application process. These documents not only expedite the process but also ensure accuracy in the coverage options provided to you.

Documents typically required include:

  • Proof of Identity: Valid government-issued identification such as a driver’s license or passport.
  • Proof of Property Ownership: Deed, mortgage documents, or recent property tax statement.
  • Home Details: Information regarding the construction, including year built, square footage, and details about the roof, foundation, and electrical system.
  • Safety Features: Details about smoke detectors, security systems, and any hurricane-proofing measures.
  • Insurance History: Details of your previous insurer and any claims history if you’re switching providers or have had prior coverage.

Application Process

Applying for insurance through Worth Insurance is a streamlined and straightforward process designed to connect you with the best coverage options from top insurance carriers. With Worth Insurance, you can easily compare quotes and find policies tailored to your needs, ensuring you get the best value for your insurance coverage.

  • Visit the Worth Insurance website and select the type of insurance you're interested in.
  • Click on "Get a Quote" to begin comparing quotes from different carriers.
  • Provide the required information about your property or vehicle to receive accurate quotes.
  • Review the quotes and coverage options available to you.
  • Choose the policy that best meets your needs and follow the steps to complete your application.

For detailed guidance and assistance, Worth Insurance offers customer support through phone at 561-463-5814 or email at service@worthinsurance.com. Their team is ready to help you navigate the insurance shopping experience, making it easy and secure to find the coverage you need​​.

How to Make a Payment

To make a payment to TypTap Insurance, follow these steps:

  1. Visit the TypTap Insurance website at www.typtap.com.
  2. Find and click on the "Make a Payment" or "Payment Information" section.
  3. Input your policy details, including the policy number, and specify the payment amount.
  4. Select your preferred payment method, options might include credit card, debit card, or bank transfer.
  5. Verify the payment information, then confirm to complete the transaction.

For detailed instructions or additional support, consider contacting TypTap Insurance directly through their website or customer service line.

How to File a Claim

To file a claim with TypTap Insurance, it's essential to act promptly and follow their recommended steps to ensure a smooth process.

  1. Begin by contacting TypTap directly via their claims phone number at 844-289-7968 or email your claim details.
  2. Provide comprehensive information about your claim, including the policy number and incident specifics.
  3. TypTap will guide you through submitting any required documentation.

For any questions or additional support, their customer service is available at the same contact number. Remember, early communication is key to a successful claim resolution.

TypTap Insurance Pros and Cons

TypTap insurance offers a range of comprehensive coverage options tailored to meet diverse needs, backed by a reputation for reliable service and customer satisfaction. However, as with any insurance provider, it's essential to weigh the advantages and potential drawbacks carefully before making an informed decision.


  • Wide range of policies
  • Customizable coverage options
  • User-friendly online platform
  • 24/7 customer support
  • Competitive pricing structure


  • Limited availability in some states
  • Strict underwriting guidelines
  • Lengthy claims processing times
  • Lack of bundle discounts
  • Restricted coverage for high-risk occupations

Who it’s for: TypTap insurance caters to homeowners, auto owners, small businesses, renters, and families seeking comprehensive coverage tailored to their diverse needs.

Wrapping Up

TypTap insurance presents a compelling option for those seeking reliable coverage coupled with customer-centric service. To explore personalized policy solutions tailored to your unique requirements, request a custom quote from Worth Insurance today and experience the TypTap difference.

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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 TypTap Insurance Company's average claim response time frame?

While TypTap Insurance states that they have a prompt claims response time, there are numerous complaints about poor customer service from paying customers. It is apparent that some customers have had trouble with getting their claims accepted by the field adjusters. 

What is TypTap Insurance Company's claims process?

TypTap has 24/7 claims reporting. After you contact them by either calling 844-289-7968, emailing fnol@typtap.com, or faxing 352-533-4073, TypTap will review your claim. 

A claims adjuster will then be assigned to you and provide an estimate of the damages. Depending on your coverage details, your claim will be assessed and then closed. 

Does TypTap Insurance Company have good homeowners insurance?

TypTap Insurance Company lacks a lot of details online about their homeowners insurance and flood insurance policies. They may not be the optimal insurance company for you and your family.

What is TypTap Insurance Company's customer service availability?

The claims department may be reached 24/7.

Does TypTap Insurance Company create a user-friendly experience for customers?

The TypTap Insurance website is noticeably lacking in details of what products they offer, making it difficult for potential customers to see whether there is a policy that suits their needs. There are no visible discounts available either. Overall, TypTap Insurance Company seems to create a difficult experience for customers.

Is TypTap Insurance Company a good insurance company?

TypTap seeks to offer flexible and personalized coverage for its policyholders by tailoring coverage depending on each customer’s specific needs and goals. This more technologically advanced way to determine insurance coverage and policy details may be helpful to you if you feel that other insurance companies do not take into account your particular situation.

Looking to the future, TypTap Insurance seems to be aiming to underwrite their own policies and expanding into more states and neighborhoods. However, it is important to have good Florida property insurance so that you are adequately protected from the harsh weather. 

You can get in touch with Worth Insurance to let us find the most competitive quotes on insurance for you so you can enjoy an easy breezy insurance shopping experience. We can help you make sure whether you are getting the financial protection you deserve.