Which term describes an insurance company that has a home office outside of the United States yet sells coverage in Florida?

The term that accurately describes an insurance company with its home office located outside of the United States, while also selling insurance coverage in Florida, is "alien." In insurance terminology, an alien insurer is one that is incorporated in a country other than the one in which it operates. Since the company's headquarters is located outside of the U.S., it falls into this category. This classification is essential for understanding the regulatory landscape and compliance requirements that different types of insurers must adhere to based on their location.

Domestic refers to insurance companies that are incorporated in the state in which they operate, while foreign pertains to companies that are incorporated in one state but do business in another within the United States. National is a term that is not commonly used in this context and does not specifically refer to the geographic status of an insurer under the insurance regulatory framework. Thus, the term "alien" aptly captures the essence of a company operating in Florida but headquartered internationally.