Based on the aggregated intelligence of 180,000-plus investors participating in Motley Fool CAPS, the Fool's free investing community, property and casualty insurer Homeowners Choice (HCI 1.35%) has earned a respected four-star ranking.

With that in mind, let's take a closer look at Homeowners Choice and see what CAPS investors are saying about the stock right now.

Homeowners Choice facts

Headquarters (founded)

Tampa, Fla. (2006)

Market Cap

$227.1 million

Industry

Property and casualty insurance

Trailing-12-Month Revenue

$136.7 million

Management

Co-Founder/Chairman/CEO Paresh Patel
CFO Richard Allen

Return on Equity (average, past 3 years)

15.8%

Cash / Debt

$131.1 million / $0

Dividend Yield

3.3%

Competitors

Allstate
Universal Insurance Holdings (NYSE: UVE)

Sources: S&P Capital IQ and Motley Fool CAPS.

On CAPS, 99% of the 71 members who have rated Homeowners Choice believe the stock will outperform the S&P 500 going forward.

Just last month, one of those Fools, djohn1969, succinctly summed up the bull case for our community:

Homeowners Choice is an extremely fast growing property and casualty insurance company in Florida. Despite the fact that the stock has more than tripled in the past 12 months, HCII still has plenty more room to grow. The stock pays a solid 3.5% dividend yield and the payout ratio is only about 20% so there is plenty of room to grow the dividend too. The naysayers who are not willing to do the homework to find the facts argue that a hurricane would significantly harm earnings, but the fact is that the company's liabilities are very limited by reinsurance.

If you want market-thumping returns, you need to put together the best portfolio you can. Owning exceptional stocks is a surefire way to secure your financial future. Of course, despite a strong four-star rating, Homeowners Choice may not be your top choice.

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