Proud to be
Policyholder Owned

Our policyholders own more than
their homeowner’s policy. They
own a piece of the company.

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Proud to be
Policyholder Owned

We believe our fiduciary
responsibility is greater
than most others.

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Proud to be
Policyholder Owned

Providing high quality, affordable
property and liability coverage
to Florida homeowners.

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Proud to be
Policyholder Owned

We understand you expect superior
Claims service from your homeowner
insurance company.

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Recent News

Demotech Affirms Financial Stability Rating -November 25, 2015
Columbus, Ohio, November 24, 2015:  The Financial Stability Rating® (FSR) of A, Exceptional, assigned to Sawgrass Mutual Insurance Company has been affirmed... Read More
President James Esse to Retire & Fulfill Dream of Living in Montana -November 22, 2015
Sunrise, Fla. – Sawgrass Mutual Insurance Company (Sawgrass Mutual) today announced that its founder and president, James Esse, retired effective... Read More
Sawgrass Mutual Insurance Company Issues Statement -November 17, 2015
Sawgrass Mutual Insurance Company Issues Statement Regarding Recent Claims They are Considering a Sale Sunrise, Fla. – Sawgrass Mutual Insurance... Read More
DO YOU NEED A PUBLIC ADJUSTER? -October 29, 2015
The SMIC Policyholders/Members voted for a bylaw provision to prohibit Policyholders/Members from retaining a Florida licensed public adjuster to inspect,... Read More
Florida: New Video Released at Summit Focuses on State’s Insurance Challenges -October 29, 2015
Florida’s main insurance cost drivers, risk and fraud, are the topics of the Florida Chamber of Commerce’s newest educational video,... Read More
NAMIC Congressional Contact Program -October 23, 2015
Recently, Sawgrass Mutual’s Chairman, Randy Dumm, participated in the annual NAMIC (National Association of Mutual Insurance Companies) Congressional Contact Program... Read More
Abuse of the Law: How Corrupt Contractors Can Scam You With an Assignment of Benefits -October 1, 2015
It’s a natural instinct: have as little to do with paperwork as possible. This goes double for emergency situations, such... Read More

Sawgrass Mutual is not just another
homeowner insurance company – we are Proud to be Policyholder Owned.

Our commitment is to meet the insurance needs of our policyholders, not those of shareholders or investors.

We remain true to our founding strategy of prudent risk selection and growth providing affordable insurance to preferred homeowners. Our policyholders are focused on the quality of their company and the self-assurance their claims will be paid fairly and promptly.

As a Florida homeowner, you want a quality product, superior service and peace of mind. Built on a foundation of traditional community values, we are motivated to meet or exceed your expectations!Learn more