Insurance Premiums
Rate increases across property and casualty lines continue to climb, often faster than rents or revenue can keep pace.
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Expanded Market Access
Turning free-market competition into premium relief
Insurance premiums, administrative costs, and regulatory compliance are ever-increasing challenges each industry faces. For real estate professionals in particular, soaring premiums have placed significant downward pressure on Net Operating Income — so what solutions are actually available?
The Problem
Three costs rising at once
Every industry feels it, but real estate feels it acutely. Three categories of cost keep climbing in parallel, and each one chips away at the income your assets generate.
Administrative Costs
The time and overhead required to manage renewals, certificates, and carrier relationships keeps expanding year over year.
Regulatory Compliance
Shifting federal and state requirements add complexity, exposure, and cost to every program you carry.
Net Operating Income
The bottom line those rising costs compress
Downward pressure on NOI
The Solution
Expanded market access as your leverage
Exigent uses expanded market access as a tool that puts free-market economics to work for you. The framework is simple, and it compounds in your favor at every step.
More carriers see your application
Exigent's expanded market access puts your submission in front of a far wider field of qualified carriers than any single broker relationship can reach.
More competition
When carriers know they are competing for your business, free-market economics take over and each one sharpens its offer to win the account.
Lower price
That competition works in your favor — driving premiums down, protecting your margins, and relieving the pressure on your bottom line.
More carriers see your application=more competition=lower price
A Market That Wants Your Business
Florida's most recently authorized homeowners carriers
Recent legislative reforms have brought a wave of new capacity into the Florida property market. Below are the most recent companies approved by the Florida Office of Insurance Regulation to write homeowners insurance in the state.
- Apex Star Reciprocal Exchange
- ASI Select Insurance Corp.
- Builder Reciprocal Insurance Exchange
- Condo Owners Reciprocal Exchange
- Florida Insurance and Reinsurance Company
- Frontline Insurance Reciprocal Exchange
- Incline National Insurance Company
- Mainsail Insurance Company
- Manatee Insurance Exchange
- Mangrove Property Insurance Company
- Orion 180 Insurance Company
- Orion 180 Select Insurance Company
- Orange Insurance Exchange
- Ovation Home Insurance Exchange
- Patriot Select Property and Casualty Insurance Company
- Praxis Reciprocal Exchange
- Stand Insurance Exchange
- Sypher Insurance Exchange
- Tailrow Insurance Exchange
- Viceroy Preferred Insurance Company
- Wingsail Insurance Company
Exigent is in network with these carriers
Exigent maintains an active network including these newly admitted carriers and across 120+ more. Upon registration, you gain the ability to request a proposal directly from these new carriers — putting your application in front of insurers actively looking to grow their books in Florida.
Has your current agent provided you options to receive quotes from the dozens of newly admitted carriers in Florida?
Source: Florida Office of Insurance Regulation / Florida Department of Financial Services.. List reflects the most recently authorized homeowners insurers and is subject to change.
Put the market to work for your bottom line
Let Exigent open your application to a wider field of carriers and turn competition into real premium relief. Start with a no-obligation consultation.
Request a Consultation