American Bankers Insurance Company of Florida is a real, licensed insurer (NAIC #10111) based in Miami, Florida, and in business since 1947. It is a subsidiary of Assurant, a Fortune 500 specialty insurer, and it markets products under the Assurant name. Most people search for it because they spotted the name on a document they did not recognize, usually a renters policy bought through an apartment complex or Geico, or a lender-placed policy added by a mortgage company. It holds a strong A+ (Superior) financial rating from AM Best, but its customer-complaint level runs above the industry average, which is common for this kind of specialty insurer.
American Bankers Insurance Company of Florida: Key Facts at a Glance
| Detail | What to know |
|---|---|
| Full name | American Bankers Insurance Company of Florida (ABIC) |
| NAIC number | 10111 |
| Parent company | Assurant, Inc. (NYSE: AIZ) |
| Founded | 1947 |
| Home office | 11222 Quail Roost Drive, Miami, FL 33157 |
| Markets as | Assurant |
| Main products | Renters, lender-placed homeowners, manufactured home, flood |
| AM Best rating | A+ (Superior), affirmed September 2025 |
| Customer complaints | Above the national average (verify current NAIC data) |
What Is American Bankers Insurance Company of Florida?
American Bankers Insurance Company of Florida, often shortened to ABIC, is a property and casualty insurance company founded in 1947 and based in Miami, Florida. It is a legitimate, licensed insurer carrying NAIC company number 10111, and it has roughly $2 billion in gross written premiums. So if you are wondering whether it is a real company, it is.
What trips people up is that you rarely buy a policy that says “American Bankers” on the front. The company is a behind-the-scenes underwriter that markets its products under the Assurant brand. That is why this guide focuses on the question most searchers really have. Not “what is this company,” but “why is this name on my paperwork, and what does it mean for me.” We cover who owns it, what it underwrites, the Geico connection, how to reach them, and an honest look at its ratings and complaints.
Who Owns American Bankers Insurance Company of Florida?
American Bankers Insurance Company of Florida is owned by Assurant, Inc., a Fortune 500 and S&P 500 specialty insurer traded on the New York Stock Exchange under the ticker AIZ. Assurant traces its roots to 1892, employs more than 14,000 people, and serves customers across many countries.
ABIC is one of several underwriting subsidiaries under the Assurant umbrella, alongside companies like American Security Insurance Company and Voyager Indemnity Insurance Company. Assurant uses the single trade name “Assurant” to market the products these subsidiaries underwrite, which is why searching for American Bankers usually sends you to the Assurant website. In short: American Bankers is the insurer on the legal paperwork, and Assurant is the brand you actually deal with.
Why You’re Seeing This Name: Renters, Lender-Placed, and Geico
This is the part that answers most people’s real question. There are three common ways the name American Bankers Insurance Company of Florida shows up in your life, and usually you did not buy it by that name directly.
First, renters insurance through a third party. ABIC is Assurant’s primary underwriting company for renters insurance in most states. So if you bought renters coverage through your apartment complex, a property manager, or an agency like Geico, ABIC may be the actual underwriter on your policy. A common example: you sign a lease, the building requires renters insurance, you enroll through a link they give you, and months later you notice the policy is underwritten by American Bankers, a name you never chose. That is normal.
Second, lender-placed (force-placed) insurance. If your mortgage company believed your home insurance had lapsed, it may have bought a policy on your behalf and added the cost to your loan. That policy is often underwritten by an Assurant company like ABIC, and this is a major part of its business. Third, specialty products such as manufactured or mobile home insurance and flood coverage. If you recognize none of these, check your declarations page, which names the underwriter and the product.
What Does American Bankers Insurance Cover?
ABIC and its Assurant affiliates focus on specialty property insurance rather than the full menu a big-name carrier offers. The main lines are renters insurance, lender-placed homeowners insurance, manufactured and mobile home insurance, and flood insurance, along with related products like residents liability. Renters coverage typically includes replacement-cost protection for your belongings, and in some states extra benefits are available.
It is worth knowing what they do not do. Assurant focuses on these specialty areas and does not sell standalone auto insurance or umbrella policies, and its direct-to-consumer homeowners options are limited, since much of its home business is lender-placed rather than chosen by the homeowner. If you want a traditional homeowners or auto policy you shop for yourself, this is not the type of company built for that.
Is American Bankers Insurance the Same as Geico?
No. American Bankers Insurance Company of Florida and Geico are separate companies. The confusion is understandable, though, and here is the real link.
Geico does not underwrite its own renters or homeowners insurance. Instead, the Geico Insurance Agency places that coverage with non-affiliated partner insurers, and Assurant, through American Bankers, is one of those renters partners. So a renters policy you bought “through Geico” may actually be underwritten by American Bankers Insurance Company of Florida, with the servicing handled under the Assurant name. If your Geico renters paperwork names American Bankers, that is why. To confirm who underwrites and services your specific policy, check your declarations page, which lists the underwriter and the correct service contact.
How to Contact, Log In, and Pay Your Bill
The right phone number depends on which product you have and how you bought it, so the most reliable source is the declarations page of your own policy. There is no single number that fits every customer, which is exactly why people find conflicting numbers online.
A few verified starting points. The home office of American Bankers Insurance Company of Florida is at 11222 Quail Roost Drive, Miami, FL 33157. Assurant lists a principal phone line of 1-305-253-2244. Assurant also keeps an official phone directory at assurant.com that routes you by product, such as renters, flood, or claims. If you bought renters insurance through Geico, the servicing number is on your Geico or Assurant documents. To log in and pay your bill, you generally use the Assurant website, not an “American Bankers” site, because the company services policies under the Assurant brand. A mobile app is also available to view documents, make payments, and file claims. When in doubt, start from your declarations page or the official Assurant site, not a third-party link.
Ratings, Reviews, and Complaints: An Honest Look
Here is the balanced picture, good and bad. On financial strength, the company is solid. AM Best, the leading insurance financial-strength rating agency, affirmed Assurant’s rating at A+ (Superior) in September 2025, which signals a strong ability to pay claims. That is a genuine positive.
On customer satisfaction, the record is more mixed, and you deserve the honest version. Independent analyses have reported a NAIC complaint index for American Bankers above the national baseline of 1.00. In plain terms, that means it has drawn more complaints than an average insurer of its size. This is not unusual for a company so involved in lender-placed insurance. Those policies are bought by a lender, not chosen by the customer, and they cost more than a policy you would shop for yourself. That naturally creates friction and complaints. Rather than trust any single review, check the primary sources yourself: the NAIC complaint database (naic.org) for the current index, your state department of insurance, and the Better Business Bureau under the Assurant name. One clarification, since it comes up a lot: the widely searched “American Insurance Group scandal” refers to AIG, a different company, not American Bankers. The company and Assurant have had their own regulatory settlements over lender-placed practices in past years. That is useful context, but they remain a financially strong, legitimate insurer, not a scam.
American Bankers vs. a Traditional Insurer: What to Expect
It helps to set the right expectations, because American Bankers does not work like a big-name carrier you shop on a comparison site. With a company like State Farm or Progressive, you choose the insurer, pick your coverage, and build a direct relationship with an agent. With American Bankers, you often arrive through a side door. A property manager enrolled you, a partner agency like Geico placed your renters policy, or a mortgage servicer added a lender-placed policy. So the experience can feel less personal, and the servicing happens under the Assurant name rather than the one on your declarations page.
That is not automatically bad. For renters, an Assurant policy bought through your building can be convenient and affordably priced, with replacement-cost protection for your belongings. The trade-offs to weigh are the above-average complaint level and a website that many people find harder to navigate than a major carrier’s. So treat it as a real option for renters, but compare it.
What to Do If You Have a Lender-Placed Policy
This is the situation that costs people the most money, so it deserves its own steps. A lender-placed (force-placed) policy is one your mortgage company bought because it believed your own coverage lapsed. It protects the lender, not you, and it usually costs far more than a policy you would choose yourself.
If you find one on your account, here is the practical path. First, buy your own homeowners policy from any insurer you like, at a normal market price. Second, send proof of that coverage, your declarations page, to your mortgage servicer’s insurance department. Third, ask them in writing to remove the lender-placed policy and refund any overlapping charges, which they generally must do once your own coverage is confirmed. Acting quickly matters, because every month the force-placed policy stays on, you are likely overpaying. If the servicer is slow or refuses, your state department of insurance can help.
If American Bankers Insurance Company of Florida showed up on your paperwork, the most useful takeaways are simple. It is a real, financially strong insurer owned by Assurant, so you are not dealing with a fraud. You most likely encountered it as the underwriter behind a renters policy bought through a third party, or as a lender-placed policy added by your mortgage company. The first thing to do is read your declarations page to see exactly which product you have and who services it.
Two honest cautions. If your “policy” is lender-placed insurance, it is usually more expensive than coverage you would buy yourself, so getting your own renters or homeowners policy and sending proof to your lender often costs less and removes the force-placed policy. And if you are shopping for renters insurance, treat Assurant as one quote among several, since its financial strength is strong but its complaint level runs above average. Compare it on price, coverage, and current NAIC complaint data before you commit.
Conclusion
American Bankers Insurance Company of Florida is a legitimate, A+ rated specialty insurer owned by Assurant, in business since 1947 and based in Miami. You are almost certainly seeing the name because it underwrites a renters policy you bought through a property manager or Geico, or a lender-placed policy your mortgage company added. Check your declarations page to confirm the product and the correct service number, use the official Assurant site to log in and pay, and weigh its strong financial rating against its above-average complaint level. If a force-placed policy is the issue, your own coverage is usually cheaper.
FAQs
What is American Bankers Insurance Company of Florida?
It is a property and casualty insurance company founded in 1947 and based in Miami, Florida, carrying NAIC number 10111. It is a subsidiary of Assurant and markets its products under the Assurant brand. It mainly underwrites renters, lender-placed homeowners, manufactured home, and flood insurance.
Who owns American Bankers Insurance Company of Florida?
It is owned by Assurant, Inc., a Fortune 500 specialty insurer traded on the New York Stock Exchange as AIZ. Assurant dates back to 1892 and operates several insurance subsidiaries, of which American Bankers is one. Assurant is the brand name you deal with, while American Bankers is the insurer on the legal paperwork.
Why am I seeing American Bankers Insurance Company of Florida on my policy?
Usually because it underwrites a policy you bought indirectly. It is Assurant’s main renters insurance underwriter in most states, so renters coverage bought through an apartment, property manager, or Geico may list it. It is also a major writer of lender-placed insurance, which a mortgage company can add if it believes your home coverage lapsed.
Is American Bankers Insurance the same as Geico?
No, they are separate companies. Geico does not underwrite its own renters insurance and instead places it with partner insurers, and Assurant through American Bankers is one of those partners. So a renters policy bought through Geico may be underwritten by American Bankers. Check your declarations page to confirm.
Is American Bankers Insurance the same as Assurant?
They are part of the same group. American Bankers Insurance Company of Florida is a subsidiary of Assurant, and Assurant is the trade name used to market and service the products American Bankers underwrites. When you search for American Bankers, you are usually directed to the Assurant website.
What does American Bankers Insurance cover?
Its main products are renters insurance, lender-placed homeowners insurance, manufactured and mobile home insurance, and flood insurance, plus related coverage like residents liability. Renters policies typically include replacement-cost protection. The company does not sell standalone auto or umbrella insurance.
How do I contact American Bankers Insurance Company of Florida?
The correct number depends on your product and how you bought it, so check your policy’s declarations page first. The company’s home office is in Miami, and Assurant lists a principal line of 1-305-253-2244, plus a product-based phone directory on its official site. If you bought renters coverage through Geico, the service number is on your Geico or Assurant documents.
What is the address of American Bankers Insurance Company of Florida?
The home office is 11222 Quail Roost Drive, Miami, FL 33157. Assurant has also used a mailing address of P.O. Box 450668, Miami, FL 33245-0668. Always use the address or contact listed on your own policy documents for official correspondence.
How do I log in or pay my bill?
You generally manage your policy and pay your bill through the Assurant website rather than an American Bankers site, since the company services policies under the Assurant brand. A mobile app is available to view documents, make payments, and file claims. If you bought through a partner like Geico, follow the login link on your policy paperwork.
Is American Bankers Insurance Company of Florida a good insurance company?
It is financially strong, with an A+ (Superior) rating from AM Best affirmed in September 2025, so it can pay claims. However, its customer-complaint level runs above the industry average, partly because much of its business is lender-placed insurance. Check current NAIC complaint data and reviews, and compare quotes before deciding.
What is American Bankers Insurance Company’s AM Best rating?
AM Best affirmed the Assurant group’s financial strength rating at A+ (Superior) in September 2025, the second-highest tier. This indicates a strong ability to meet claim obligations. Ratings can change, so verify the current rating directly on the AM Best website.
Does American Bankers Insurance have a lot of complaints?
Independent analyses have reported a NAIC complaint index above the national average of 1.00, meaning more complaints than a typical insurer its size. This is common for companies focused on lender-placed insurance, which customers do not choose themselves. Check the current complaint index on the NAIC website and with your state department of insurance.
What is lender-placed (force-placed) insurance?
It is a policy a bank or mortgage servicer buys and bills to you when it believes your own home insurance has lapsed or is insufficient. It protects the lender’s interest, usually costs more than coverage you would buy yourself, and is a large part of American Bankers’ business. Buying your own policy and sending proof to your lender typically replaces it at a lower cost.
Is American Bankers Insurance Company of Florida legitimate?
Yes. It is a licensed insurer with NAIC number 10111, in business since 1947, and backed by Assurant, a Fortune 500 company with an A+ (Superior) AM Best rating. It is not a scam. The common confusion comes from seeing an unfamiliar underwriter name on a policy bought through a third party.
What is the American Bankers Insurance Company of Florida NAIC number?
Its NAIC company number is 10111. You can use that number to look the company up in the NAIC complaint database and confirm its licensing and complaint history. The company is domiciled in Florida.
Methodology
This overview was researched and written by the InsuranceGuidances Editorial Team. Company facts, ownership, the NAIC number, the home-office address, and the AM Best rating were verified against Assurant’s own official pages, Geico’s renters policyholder documentation, and SEC filings. Complaint data is drawn from independent analyses citing NAIC figures, and we direct readers to the NAIC, their state department of insurance, and the BBB to confirm current numbers. We are not affiliated with American Bankers or Assurant, we do not crown a single “best” or “worst” insurer, and we do not invent ratings, reviews, or contact details.
About InsuranceGuidances
InsuranceGuidances publishes plain-English insurance guides. For company-research and specialist topics, articles are produced under the Editorial Team byline with the methodology note above. Our standard is simple: every figure traces to a named source, and we never invent reviews, ratings, or phone numbers.
Reviewed July 2026 ·
Sources
Assurant — About Us / Insurance Center (ABIC NAIC, address, underwriting): https://w2.assurant.com/aic/jsp/aboutUs.html
Assurant — Specialty Homeowners Contact (home office, AM Best A+): https://w2.assurant.com/shp/Contactus
Assurant — Official phone directory: https://www.assurant.com/assurant-phone-numbers
Coverage Cat — Assurant Insurance Review (segments, NAIC complaint index, AM Best Sept 2025): https://www.coveragecat.com/reviews/assurant
Geico — Manage and Make Payments to Your Renters Policy (Assurant partner): https://www.geico.com/renters-insurance/policyholder/
SEC / Assurant Form 8-K — NY DFS lender-placed settlement (2013): https://www.sec.gov/Archives/edgar/data/0001267238/000119312513119777/d506378dex991.htm
SEC / Assurant Form 8-K — Florida OIR lender-placed agreement (2013): https://www.sec.gov/Archives/edgar/data/0001267238/000119312513394205/d609387dex991.htm
NAIC — Consumer complaint database: https://content.naic.org/
NY DFS — Company directory (ABIC, NAIC 10111): https://myportal.dfs.ny.gov/
