Loggerhead Insurance Review 2024 (For Floridians)

Floridian homeowners who have seen their home insurance policy canceled or refused to be renewed by Progressive can now find a readily available alternative with Loggerhead.


As a new startup founded in 2022 with the goal of providing sustainable and effective policies for homeowners, Loggerhead Insurance is now providing a replacement offer for some Progressive members residing in Florida. With Loggerhead, the transition process is very simple and fast.

Although the company is new, it offers most of the types of coverage you can get from top national insurance companies, including a good number of ways to save on insurance through discounts.


While this may not really matter much to some, you can also get additional coverage for your firearm through the Loggerhead Shield package. It will protect you and how you use your firearm. For example, if it involves the killing or injury of someone.

Loggerhead might not give you all the trust you need as opposed to established companies, since it only started operations lately. However, they have earned a high rating on Demotech – which shows they can pay claims.

Take a look at our review as we explain everything about Loggerhead Insurance, including their coverage options, pros, and cons.

Pros and cons


  • Offers a lots of coverage types
  • Lots of discounts
  • Excellent rating on Demetoch
  • Added layer of protection for legally-possessed firearms


  • Not rated on AM Best
  • New company with few reviews from customers
  • Limited state availability
  • Does not have a mobile app

About Loggerhead insurance

Loggerhead is based outside of Tampa, Florida. The company was founded in 2022 and currently sells home insurance policies through independent insurance agents throughout Florida.

Since you can’t directly obtain a quote from the website, you can start by providing a few personal details, like your home address, name, and contact information.

An agent will immediately get in touch with you so you can discuss your coverage options. Also, since insurance agents partner with multiple insurance companies, you can compare policies during this process.

After obtaining coverage, policyholders can use the online customer portal to submit claims and manage other account activities.

Also check our review of » Openhouse home insurance (for Floridian homeowners)

State Availability

Loggerhead insurance coverage is only available for Floridian homeowners.

Loggerhead home insurance coverage

Loggerhead policy coverage is grouped into three levels: Essential, Enhanced, and Elite.

Here is what they all cover:

Essential coverage

This plan includes coverages that generally come standard on most home insurance policies. While this package would cost you less, it typically requires a higher deductible.

This is what you can get covered for under this plan.

  • Personal property: This will pay to repair or replace your damaged belongings like clothes, furniture, electronics, and similar items.
  • Dwelling coverage: If the physical structure of your home, including roofs, walls, etc., gets damaged, this will cover the full repair or replacement costs.
  • Personal liability: Personal liability will cover damages caused by you to other people or their property, including legal fees if you get sued.
  • Loss of use: also known as additional living expenses, will pay for the costs you incur for accommodations, meals, and other expenses if you can’t live in your home due to repairs after a covered loss.
  • Other structures: This extends coverage to other structures you own that are not connected to your home, like shreds, garages, and fences.

Enhanced coverage

This comes with all the benefits included in the Essential plan, including some upgrades and coverage additions.

  • Replacement cost for contents: This will pay for the full replacement of your personal properties if they get damaged.
  • Increased coverage for contents, loss of use & personal liability: You get an enhanced level of coverage for property damage, costs incurred due to additional living expenses, and damages you cause to other people or their property.
  • Water backup: This covers damage caused by water backing up through sewers, drains, or sump pumps.
  • Animal liability coverage: Should your pet injure someone or damage someone else’s property, this coverage will pay for the damages.
  • Refrigerated property: Pays to replace your food if it gets spoilt in your refrigerator due to a power outage or other electronic failure.
  • Ordinance law coverage: This will cover the costs of rebuilding your home to comply with current building codes.

Elite coverage

Loggerhead’s Elite plan is more like an all-in-one package as it includes all coverage options available in both the Enhanced and Essential plans. This offers the highest level of coverage, including some coverage not included in the other plans.

  • Full roof replacement coverage: This will pay for the full repair or replacement of your damaged roof.
  • Identity theft coverage: It will pay you for the losses or damages incurred due to identity theft.
  • Trampoline liability: If someone gets injured while using your trampoline, it will pay for the medical fee and even legal fees.
  • Pool liability: This pays for swimming pool-related accidents like bodily injury.
  • Deductible reduction for large losses: This helps reduce your deductibles if you suffer from an enormous loss, making it more manageable for the policyholder to cover the deductible.

Also check » 10 best roofing companies that offer financing to homeowners

Loggerhead Shield coverage

Firearms are often considered personal property, but there is a huge limit on how much coverage you can get for them.

The Loggerhead Shield plan offers dedicated protection for them. This means you get covered for some level of risk should they get damaged, lost, or pose a risk to you. It covers:

  • Accidental discharge: Pays if your firearm accidentally discharges, causing property damage or injury to a person.
  • Acts of self-defense: You will be protected if you accidentally kill someone as an act of self-defense and are required to defend yourself in court.
  • Use while lost or stolen: You will get protection if your firearm is lost or stolen while in use.

Plan benefits

  • Up to $250,000 for personal property damage and liability
  • Criminal defense reimbursement up to $50,000
  • Up to $50,000 blanket firearm coverage (optional coverage)
  • Scheduled firearm coverage up to $150,000 (optional coverage)

Loggerhead home insurance discounts

Loggerhead helps homeowners cut down on their insurance rates through several savings options.

These are the available discounts:

  • Senior and retiree discounts: This applies to homeowners who are 55 years old and older. They get a 10% discount when they enroll with Loggerhead.
  • New construction and renovation: You get a discount for homes built in the last 10 years, including roofs replaced within this period.
  • Smart and IoT home protection: You get a discount if your home is equipped with leak detection and water shutoff systems, including fire and burglar alarms.
  • Protected community: Get a discount if there is a gate and security system in your neighborhood.
  • Wind protection: You earn a discount if you install systems that prevent or reduce damage caused by windstorms.
  • Accredited builder: If your home is built by qualified builders that offer a warranty, you can also get a discount for this.

Also check our review of » Midvale home insurance

Loggerhead Insurance reviews and ratings

Reviews on BBB

Loggerhead is not rated on the Better Business Bureau website and has no reviews there. This doesn’t enforce trust, as some rely on this rating to confirm a carrier’s trustworthiness.

Reviews on Demotech

While there is no rating for Loggerhead on BBB, they did earn an A rating on Demotech, which is seen as “Excellent”. This, however, isn’t the highest rating on the site but it indicates they are capable of meeting claims from customers.

Reviews on AM Best

As the largest credit rating agency that promptly assesses the financial stability of insurance providers, we saw no rating for Loggerhead on the site. As such, we may presume that Loggerhead does not have the full financial capacity as compared to other popular carriers.

Our Verdict

For some homeowners in Florida, Loggerhead can be a great choice considering their wide variety of coverage options and plans. And as a Florida-based company, its policy is aimed at catering to the risks most homeowners suffer due to the harsh weather conditions found in the state.

However, regardless of the wide range of coverage and discount opportunities, the company falls short on important ratings on AM Best—the strongest leader in financial strength ratings.

We always encourage you to shop for insurance with companies that have an A+ rating on AM Best. That way, you can be sure of getting reimbursement should anything go wrong. Consider shopping around for quotes if you are skeptical about the company.

Frequently Asked Questions (FAQs)

Is Loggerhead insurance good?

Yes, Loggerhead is a legitimate company headquartered in Tampa, Florida. Although the company is still young and has few customer reviews. Nonetheless, their A “Excellent” rating on Demotech indicates they can payout claims.

How long has Loggerhead insurance been in business?

Loggerhead insurance has not been in business for a long time. The company was founded in 2022.

Who owns Loggerhead insurance?

Loggerhead is a reciprocal insurance exchange that is owned by policyholders.

Loggerhead insurance phone number

If you need help regarding policy details, you can call Loggerhead customer service phone at (855) 216-9428, and (855) 216-9428 for claims.

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