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Couple talking to their agent about property insurance

Get Free Referrals while Helping Florida Homeowners Find Coverage

The Florida Market Assistance Plan (FMAP) is a free and convenient referral service that matches Florida property insurance shoppers with agents able to secure coverage from Florida-authorized insurance companies in their area.

Authorized by the Florida Legislature in 1985, FMAP’s online referral service is designed for personal residential property. Direct referrals are available for commercial residential, commercial nonresidential or liability coverage.

Participating agents can search FMAP’s database in real-time and set up daily alerts from the automated search feature. Receive email notifications when a request for coverage matches your specific search criteria.

Note: FMAP is not available for workers' compensation, employer's liability or motor vehicle coverage.

Participation Requirements for the Online Referral Service

Agents must meet the following criteria to participate in FMAP:

  • You must be a licensed Florida agent.
  • Agents must have direct appointments with at least 10 Florida-authorized personal residential insurance companies.
    • The 10 appointments must include companies that are authorized to write business and have informed the Florida Department of Financial Services (DFS) that they are currently writing new personal residential business.
    • Qualifying appointments do not include Citizens Property Insurance Corporation (Citizens), surplus lines carriers or MGA/agency appointments.

Note: Leads may not be used to place a policy with Citizens, surplus lines carriers or MGA/agency-appointed companies.

How FMAP Works

FMAP offers the following programs and services to help you identify and connect with potential new clients:

Free Online Referrals

FMAP’s free service matches Florida property insurance shoppers with participating agents who may be able to write a private-market policy. You’ll receive daily email notices alerting you to potential customers matching your personalized eligible-policy criteria. Search the database in real-time to identify and connect with potential customers.

Get Started Today!

  1. Review the Agent Guide to familiarize yourself with the system and prepare for registration.
  2. Register with FMAP. You’ll need your name, address, phone number, Social Security number, Department of Financial Services (DFS) agent license number and appointment with at least 10 Florida-authorized private-market personal residential insurance companies.
  3. Set up search criteria based on the types of property your appointed companies will cover.
    • You can create up to 10 active searches.
    • More detailed searches are more likely to match you with consumers who meet company eligibility requirements.
  4. Run a search and tag any potential leads.
    • Once tagged, you’ll receive contact information, property address, need-by date, coverage amount, property type, year-built and construction type.
  5. Contact the consumer to provide and discuss quotes.
  6. Update FMAP with the results of your solicitation within 30 days of tagging it.
    • This is a requirement for keeping your account active and receiving free leads from FMAP.

Direct Referral Program

FMAP provides agent contact information to consumers seeking commercial residential, commercial nonresidential and liability insurance.

To be included in our agent referral list for these coverage types, complete the Agent Referral Form.

Agent Registration


Don’t Wait!

Agents, register today with FMAP to receive free leads.

Agent Guide

Agent Guide

Get the Most from FMAP

To make sure you are getting the most out of your FMAP experience, review the FMAP Agent Guide to learn more about how FMAP works and what it can do for you and your business.

The Agent Guide walks you through FMAP registration and the matching process to make registering for and getting started with FMAP as easy and successful as possible.

Agent Guide


  • You are prohibited from placing FMAP leads in Citizens Property Insurance Corporation, surplus lines carriers or companies with which only your agency holds an appointment.
  • As a requirement of using FMAP, you must update FMAP with the results of any lead you tag for solicitation.

Agents Resources and Contacts