Patriot Select Property and Casualty Insurance Company today announced a series of consumer-focused initiatives designed to improve insurance affordability and stability for Florida homeowners. Amid a gradually improving property insurance landscape, the St. Petersburg-based insurer has implemented lower premium rates, introduced product enhancements, and accelerated its use of artificial intelligence (AI) to improve efficiency and service for policyholders and agents alike.
Patriot Select’s newly implemented rate reductions apply across the state and are supported by data-driven pricing models that reflect improved market conditions after the 2022-23 legislative reforms. These lower premiums, combined with improved product features, reflect the company’s commitment to making comprehensive home coverage both affordable and accessible.
“Our goal is to be the reliable, transparent property insurance choice for Florida families,” said John Rollins, CEO of Patriot Select. “We’re using technology to operate smarter—so we can pass those efficiencies back to our customers. Lower rates are just one way we’re delivering on that promise.”
The company has rapidly expanded its use of AI to enhance the speed and accuracy of underwriting and claims service:
- Customer Experience: AI-powered chat support enables immediate claims reporting and real-time assistance for agents and policyholders.
- Underwriting & Risk: High-resolution aerial imagery and predictive analytics improve risk assessment, reduce fraud, and strengthen underwriting precision.
- Growth & Market Insight: AI tools help identify and qualify new agencies and customers, supporting Patriot Select’s ongoing expansion.
Since entering the market earlier this year, Patriot Select has successfully assumed over 24,000 policies from Citizens Property Insurance Corporation, offering homeowners stable, Florida-based protection backed by strong reinsurance and abundant capital. The company continues to recruit top-performing independent agents, providing them with responsive technology, competitive rates, and dedicated claims support.
“As Florida’s market continues to recalibrate, our focus remains steady—deliver sustainable, long-term value to our customers and agents,” Rollins said.
