Apex Star Welcomes Citizens Customers!

Apex Star Reciprocal Exchange
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Apex Star Reciprocal Exchange

About Apex Star reciprocal exchange

Our Mission

At Apex Star Reciprocal Insurance, we’re proud to be a policyholder-owned admitted insurance company serving Florida and the Southeast with dependable residential and commercial property coverage. Whether it’s your home or your business, our insurance solutions help protect buildings, belongings, and peace of mind from life’s unexpected moments. From powerful storms to everyday mishaps, we’re here with caring support and reliable protection—because confidence should come with every roof you own.

Why Choose Apex Star?

Tailored Coverage Solutions – Comprehensive protection for homes and businesses

Risk-Based Underwriting – Personalized policies based on your unique profile

KBRA Rated BBB – Financially strong and dependable

Protect your assets with Apex Star

Homeowners HO3

Homeowners HO3

Protect where life happens. Apex Star Reciprocal Exchange offers comprehensive homeowners insurance to safeguard your residence, belongings, and peace of mind from unexpected damage or loss.

Homeowners DP3

Homeowners HO3

Rent with confidence. Apex Star Reciprocal Exchange offers dwelling insurance designed for rental and investment properties, providing coverage for the structure and personal property against fire, wind, theft, and other unexpected events.

Commercial Property

Commercial Property

Protect your business assets. Apex Star Reciprocal Exchange offers commercial property insurance designed to safeguard buildings and business personal property from unexpected damage or loss—giving business owners the confidence to focus on what matters most.

Online Bill Pay

Pay Now

Frequently Asked Questions

We are a policyholder-owned Florida admitted insurance company specializing in residential and commercial coverage across Florida and the Southeast. Our homeowner’s insurance helps protect your house, belongings, and peace of mind from life’s unexpected moments—while our commercial property coverage safeguards buildings and business assets from unforeseen damage or loss. 


A reciprocal exchange is a type of insurance company that’s owned by its policyholders. Instead of paying premiums to a traditional insurer, members (called subscribers) pool their money to cover each other's claims. It’s a shared-risk model managed by an attorney-in-fact who handles operations on behalf of the group. 


Depopulation from Citizens means moving policies from Citizens Property Insurance to private insurers. It helps reduce Citizens’ size and shifts coverage to the private market when other companies are willing to take on the risk. Policyholders may receive offers and, in some cases, must accept if the premium is within a certain range.


Apex Star has a BBB stability rating from KBRA. https://www.kbra.com/publications/DHvKCyMx/kbra-assigns-rating-to-apex-star-reciprocal-exchange-and-affirms-rating-for-star-vantage-reciprocal-exchange?format=web


CONTACT US

General Questions

Existing Commercial Claims

Existing Homeowner Claims

(888) 876-8005 (TOLL FREE)

Existing Homeowner Claims

Existing Commercial Claims

Existing Homeowner Claims

(888) 227-1225 (TOLL FREE)

Existing Commercial Claims

Existing Commercial Claims

Existing Commercial Claims

(478) 285-5785

Fax Number

Overnight Mailing Address

Existing Commercial Claims

(813) 819-0072

Mailing Address

Overnight Mailing Address

Overnight Mailing Address

PO Box 1390, Ocala, FL 34478

Overnight Mailing Address

Overnight Mailing Address

Overnight Mailing Address

3001 SE Maricamp Road

Ocala, FL 34471

Need Additional Assistance?

Need Additional Assistance?

Need Additional Assistance?

Customer Service customerservice@apexstarins.com


Apex Star Reciprocal Exchange

A Member of the Star Light Insurance Group

Hours

Mon

09:00 am – 05:00 pm

Tue

09:00 am – 05:00 pm

Wed

09:00 am – 05:00 pm

Thu

09:00 am – 05:00 pm

Fri

09:00 am – 05:00 pm

Sat

Closed

Sun

Closed

ONLINE CLAIM REPORTING

Need to report a loss after hours? Just click the button below to get started online.

REPORT A LOSS

Privacy Policy

Privacy Policy (AU & EU Compliant)

Effective Date: [Insert Date] Last Updated: [Insert Date]

At Apex Star Reciprocal Exchange (“we,” “us,” or “our”), we are committed to protecting your privacy and managing your personal information in accordance with the Australian Privacy Act 1988 (Cth) and the EU General Data Protection Regulation (GDPR).

We may collect personal information including your name, contact details, address, policy and claim details, website usage data (such as cookies and IP address), and communication preferences. This information is used to provide and manage our insurance products and services, respond to inquiries, process claims, improve website functionality, and—where you’ve given consent—send marketing communications.

Under the GDPR, we process personal data based on your consent, contractual necessity, legal obligations, and legitimate interests such as fraud prevention and service improvement. We may share your information with authorized service providers, regulatory bodies, legal authorities, and overseas entities, ensuring appropriate safeguards are in place when data is transferred internationally.

You have the right to access and correct your personal information, withdraw consent, request deletion or restriction of processing, and lodge a complaint with your local data protection authority. We implement technical and organizational measures to protect your data from unauthorized access, alteration, or loss.

Our website uses cookies to enhance your experience, and you can manage your cookie preferences through your browser settings. For privacy-related inquiries or to exercise your rights, please contact our Privacy Officer via customerservice@apexstarins.com.

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Apex Star Reciprocal Exchange

6135 W. Sitka St. Tampa, FL 33634

888.227.1225

Copyright © 2025 Apex Star Reciprocal Exchange - All Rights Reserved.

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