Avatar Insurance Review

Avatar Insurance Review: A Look at the Data

Editor’s note: By court order, the Avatar Property & Casualty Insurance Company is currently in the liquidation process by the Florida Department of Financial Services.

This Avatar Insurance review takes a look at what customers say about the company. We’ll also explore average premium so you can make informed decisions when shopping for the best homeowners insurance in Florida.

Avatar Insurance has less than one percent of the Florida market home insurance share and maintains an A, Exceptional, rating from Demotech. The company offers homeowners, condo, mobile home, and commercial insurance in Florida. The company states it aims to “treat our policyholders’ assets as if they were our own.”

Avatar Insurance Customer Reviews

Avatar Insurance has 782 reviews on Google and an average rating of 4.3 out of five stars. It’s worth noting that not all reviews are from their customers, though. Agents who sell Avatar’s policies also leave reviews about their experience working with the company. Customers overall seem pleased with their speedy, professional service. The few critical reviews involve claims and cancellations.

Avatar Insurance does seem to respond to negative complaints as of this writing.

By contrast, Kin has more than 800 customer reviews on Trustpilot, averaging 4.8 stars out of five. Customers overwhelming cite our helpfulness and kindness as well as our low prices. If we receive critical feedback, we’re quick to respond and help find a solution.

Bottom line: The best insurance companies understand there’s a lesson to be learned from both positive and negative feedback.

Avatar Insurance Average Premium

Homeowners insurance in Florida costs more than almost any other state. Though you can’t change the weather – or the hurricanes and floods that cause rates to spike – you can shop around for better prices. Even small savings add up.

For example, our average premium for a $300,000 newly built home is $1,354 a year. That’s 13 percent cheaper than Avatar Insurance at $1,535 a year.

Remember, average prices are just meant to give you a ballpark of what your coverage may cost. The only way to truly know what you’ll pay for your policy is to get a quote. Your costs depend on where you live, the age and construction of your home, and more. You may save even more if you qualify for additional home safety discounts.

Average Annual Premium for a $300k Newly Built Home

State Kin Avatar
Florida $1,354 $1,535

Avatar Insurance Claims

Several Avatar Insurance reviews were critical of the claims experience. Both customers and contractors noted dissatisfaction with the process or settlements. That frustration is understandable – claims are stressful and expectations are usually high.

That’s why we built our claims process around the needs of our customers. We use technology to quickly assess damage and settle claims. We also created the Managed Repair Network to pair claimants with local and licensed contractors. This ensures repairs are done professionally and at the discretion of the homeowner.

Ready to save some money and have peace of mind when you make a claim? Get a quote from Kin today.

Home Insurance Company Reviews

Get a better look at how Kin compares to other Florida home insurance companies: