Apex Star Welcomes Citizens Customers!
Apex Star Welcomes Citizens Customers!
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.

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 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.

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.

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.
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
(888) 876-8005 (TOLL FREE)
(888) 227-1225 (TOLL FREE)
(478) 285-5785
(813) 819-0072
PO Box 1390, Ocala, FL 34478
3001 SE Maricamp Road
Ocala, FL 34471
Customer Service customerservice@apexstarins.com
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 |

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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.
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