We are proud to announce that on May 15, 2017 Avatar acquired Elements Property Insurance Company. Avatar's existing agents and policyholders will be unaffected by this acquirement. The policyholders of Elements Property Insurance Company will be mailed a formal notice informing them of this acquisition. Avatar's name will begin to appear on all policy documents beginning with the first renewal of each policyholder's homeowner insurance policy. Policy details and coverages have not changed and policyholders' existing agents will continue to service their homeowner's insurance needs.

"The opportunity to serve a larger group of Florida homeowners is exciting. It is not without extensive thought and diligence that Avatar has chosen to embark on this new journey of expansion. We have continuously grown our team and resources. As such, we are prepared and equipped post-acquisition to serve all of our new and existing policyholders with the highest level of service. This is truly an exciting chapter in our journey to become Florida's best homeowner's insurance company." Mark Shealy, COO and CFO of Avatar

"We are really excited about this opportunity. Avatar has spent many years carefully building its insurance operations and believes Elements is a very good business to bring onto our platform to accelerate Avatar's journey to becoming Floridians' property insurance company of choice," said John Adhia, Chairman and President of Avatar. "We respect the management of Elements and the business they have built. We believe the Elements team and business portfolio, combined with our existing business, will offer Floridians a compelling service and product offering."

   Read the official press release here.
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Frequently Asked Questions

Q: Will I need to sign an Avatar agency contract, if I have an existing one with Elements Property Insurance Company, to access my policies?

A: No, an Avatar contract is not necessary.

Q: Will Elements Property Insurance Company policies be renewed by Avatar?

A: Yes, Avatar will start issuing renewals for Elements Property Insurance Company policyholder's approximately 50 days prior to the expiration date of their Elements Property Insurance Company policy. Renewals will be made under the Avatar brand name.

Q: Will Avatar make changes to coverages or ratings on Elements Property Insurance Company policies at renewal?

A: No, Avatar will use Elements Property Insurance Company's forms and coverages with approved rates Elements Property Insurance Company filed effective 4/1/2017 and later. There are no plans to re-underwrite risks at renewal.

Q: Who do I contact for questions or changes to my policy?

A: Policyholders should continue to contact their agents for changes or questions. If changes are needed to a policy not yet on Avatar paper, the agent should continue to send requests to Elements Property Insurance Company. Once a policy is on Avatar paper, the requests can be uploaded into the Avatar system. Agents can continue to contact their Marketing Reps at Avatar or Elements Property Insurance Company with marketing issues.

Q: Will my commission rate change?

A: No, there are no changes in commissions at this time.

Q: Who do I contact if I have a claim?

A: Policyholders should contact Avatar directly to report new claims. Avatar is available 24/7/365 including holidays for claims calls. We have licensed professionals who are dispatched immediately to handle emergency situations so damages are mitigated and homeowners experience less stress knowing what will happen and when it will happen. We stand behind our work and promise to be the protector of your assets.

Q: Where do I send policy payments?

A: Avatar Policy Payments send to:
Avatar P&C Ins Co, PO BOX 281216 Atlanta, GA 30384-1216

Elements Property Insurance Company Policy Payments send to:
Elements Property Insurance Company, PO BOX 100152, Columbia, SC 29202



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