On October 1, 2018, Sawgrass Mutual Insurance Company (“SMIC”) was ordered liquidated by the Second Judicial Circuit Court in Leon County, Florida. The Florida Department of Financial Services (“Department”) is the court appointed Receiver of SMIC.  Please continue to report all new claims in accordance with the company’s normal claims filling procedures until instructed differently. More information is available on the Department’s website here.




As a “mutual” insurer, we are owned and governed by our policyholders.  Also unique to a “mutual” insurer is that all profits earned by the company, and the growth of its financial resources, remain for the benefit of our policyholders.

Sawgrass Mutual specializes in writing voluntary Homeowners Insurance through a select network of professional independent agent partners located throughout Florida.  As “partners”, Sawgrass Mutual and our selected agents are focused on the well-being of our policyholders and the communities in which they reside.


Understanding the insurance coverage and options available that meet your individual needs is very important in purchasing an insurance policy. With so many insurance, deductible and loss settlement options available, deciding what choices are best can be difficult.

Sawgrass Mutual provides more than just high quality, affordable property and liability coverage to Florida homeowners.  We allow our policyholder's investment to grow and work for them through our Individual Investment Accounts! Our Homeowners Insurance policy insures one- and two-family homes occupied by the owner and includes coverage for:

  • Your home and structures physically attached to your home
  • Detached structures such as fences and sheds
  • Your personal property, including clothes, furniture, electronics and appliances
  • Medical expenses of non-household members injured on your premises
  • Personal liability claims or suit brought against you for bodily injury or property damage for which you are liable
  • Assistance with living expenses in the event you are required to vacate your home due to a covered loss

In addition, we provide several additional coverage options. Some of these are:

  • Business property
  • Credit card, fund transfer card, forgery and counterfeit money
  • Increased loss assessment coverage
  • Special computer coverage
  • Ordinance or law increased coverage
  • Identity fraud expense coverage
  • Water back-up and sump discharge or overflow

Your Sawgrass Mutual Insurance agent can help you determine the options applicable to your individual situation, and tailor a policy to meet your needs.