People’s Trust Insurance Review 2026

People trust insurance reviews emphasize providing real time reviews and ratings from the customer, to help you decide whether your home is secured in Florida.

Overview

• Reviews: Google (1,786), Trustpilot (1,054), Clearsurance (28), Yelp (102) | Total reviews (2,970)
• Ratings: Google (3.8), Trustpilot (3.7), Clearsurance (3.3), Yelp (1.2), Birdeye (4.8) | Average rating (4.2 out of 5)
• People’s Trust Insurance Phone Number: +1 561-609-1000
• People’s Trust Insurance Address: 18 People’s Trust Way, Deerfield Beach, FL 33441, United States

People’s Trust Insurance Reviews – Our Thoughts

People’s Trust Insurance Company offers standardized coverage options for Florida homeowners. Their Rapid Response Team, which handles more costly repairs with a three-year warranty, sets them apart from other insurance carriers for us. Furthermore, People Trust’s homeowner insurance includes coverage for your personal belongings at Actual Cash Value.

If your house is rendered unfit to live in due to a covered loss, the company also offers to cover reasonable additional living expenses you may spend while your home is being restored (based on your policy limits).

People’s Trust also offers a limited range of discounts, including discounts for veterans. For the majority of their Florida customers, this combination seems to be a winning recipe.

Based on consumer feedback and our research, People’s Trust covers all bases that are required in homeowners’ insurance policies. People’s Trust is a great choice if you’re looking for flood or homeowners’ insurance in Florida.

About People Trust Insurance

Founded over 14 years ago, People’s Trust Insurance is located in the Research Park at Florida Atlantic University in Deerfield Beach. With more than 110,000 policyholders throughout Florida, People’s Trust Insurance is a privately held home insurance company in the state.

People’s Trust Insurance’s affiliation with Rapid Response Team, one of Florida’s largest insurance repair general contractors, allows the company to manage emergency repairs and swiftly oversee the entire repair process for properties.

Products and Offerings

People trust Florida home insurance has number of insurance alternatives to match your property ownership needs.

Here are the different policy options designed to fit your budget and protection needs:

• Full-Service HO3 Policy: A Full-Service HO3 Policy is a standard home insurance option for homeowners in Florida. It covers owner-occupied homes with a value of $100,000 or more. In Miami-Dade, Broward, and Palm Beach Counties, the home must be worth at least $200,000.
• Basic Choice Coverage: Basic Choice Coverage is a budget-friendly, named perils policy that excludes certain coverages like water damage and theft to reduce costs. It meets most mortgage requirements and is for owner or tenant-occupied homes valued at $50,000 or more ($100,000 minimum in Miami-Dade, Broward, and Palm Beach Counties).
• PTI Flood Insurance: PTI Flood Insurance covers flood damage and can be purchased separately from homeowners, renters, or condo insurance. It offers two coverage options, which can be bought together or separately:

1. Structural Damage Coverage: Covers things like plumbing, electrical systems, water heaters, and built-in appliances.
2. Personal Belongings Coverage: Covers items like clothing, furniture, electronics, and valuables.

What Discounts Does People Trust Insurance Offers?

Customers of People’s Trust Insurance praise their low costs and comprehensive coverage. People’s Trust also offers a basic policy that eliminates some forms of coverage but fulfills the majority of the requirements for homeowners’ insurance.

People’s Trust offers a limited selection of discounts in addition to its low costs. If you’re 55 or older, you can get a 5% discount on the non-hurricane share of your premium. Discounts are also available for Military Personnel and Veterans, Secured and Gated Communities, and Paperless Policy Delivery.

People’s Trust Insurance Reviews and Ratings

People Trust Homeowners Insurance Ratings

Demotech, a small financial analysis organization that analyzes the financial stability of insurance companies, gave the firm an A rating. This rating indicates Exceptional Financial Stability. Since People’s Trust is a regional insurance carrier, credit rating agencies such as A.M. Best and J.D. Power have no data on their financial stability.

People’s Trust Insurance Claims

• 24/7 Claims Assistance: People’s Trust Insurance provides a 24/7 Claims Hotline (561-609-1002) for your convenience, ensuring support is available whenever you need it. Alternatively, you can initiate the claims process by completing an online form.
• Prompt Emergency Response: In urgent situations, the Rapid Response Team will be promptly dispatched to mitigate any immediate damage and address the situation promptly.
• Scheduled Assessment of Damages: Homeowners can expect calls from People’s Trust Insurance to schedule a convenient time for a representative to assess the extent of the damage.
• Deductible Payment: As we strive to coordinate most repairs instead of solely issuing a payment, it is necessary for homeowners to settle any applicable deductibles before home repairs commence. Financing options are available if required.
• Coverage Review: The claims adjusters will reach out to you to discuss the specifics of your claim and review the coverage outlined in your policy.
• Guaranteed Satisfaction: Following the assessment, the proficient Rapid Response Team will repair the affected areas, providing an unmatched 3-year, 100% customer satisfaction guarantee on the workmanship.

Best Homeowners Insurance Companies

Not sure if People’s trust is right choice for you?

Check out our list of top other homeowners’ insurance companies:

GEICO

American Integrity

Typtap

Olympus

SageSure

Conclusion

People’s Trust Insurance has revolutionized the way home insurance is offered and handled in Florida. The insurance firm is founded on a quick response mentality that helps policyholders cut costs and recover faster after a loss, allowing them to go back to normal faster.

By removing the requirements for policyholders to contact a contractor, obtain price quotes, and coordinate any repairs themselves, People’s Trust helps policyholders save time and effort. The carrier is a great house and flood insurance provider in Florida, and certainly worth looking into. Nonetheless, we recommend acquiring a quote from People’s Trust and comparing it to other options before deciding on an insurance policy.

Review Methodology: How Agency Height Provides Carrier Reviews

To ensure accurate and reliable carrier reviews, Agency Height follows a thorough process:

• Product and Coverage Information: We obtain detailed information directly from the official People Trust Insurance company website. This includes the types of coverage and products offered by the carrier.
• Third-Party Ratings and Overview: We incorporate ratings from trusted agencies such as BBB (Better Business Bureau) and AM Best, which provide insight into People’s trust financial strength and customer service reputation.
• Customer Reviews: For real customer feedback, we gather reviews from popular insurance reviews platforms like Trustpilot, Yelp, Google, Birdeye, Clearsurance to understand the experiences of policyholders with People Trust Insurance Company.In addition, we also feature authentic reviews submitted directly through the “Add Your Review” button available on each of our insurance review pages.

** Data verified as accurate at the time of publication.

Sources

• Kin.
• Yelp
• People’s Trust Insurance