Florida homeowners rate changes
This list only includes company-level rate changes stated in OIR press releases and Citizens notices. It is not every filing: OIR's full filing database (IRFS) sits behind a CAPTCHA, so we don't scrape it. Look up any company's filings yourself at irfssearch.floir.gov.
| Announced | Company (as named in source) | Line | Change | Policies | Status & exact source text |
|---|---|---|---|---|---|
| 2026-10-02 | American Modern Home Insurance Company | Renters (HO-4) | -12.8% | 121,898 | approvedTALLAHASSEE, Fla.—Florida Insurance Commissioner Mike Yaworsky is approving major rate decreases for rental insurance policies that will be effective this October. American Modern Home Insurance Company is now approved for an average -12.8% rate decrease for HO-4 policies, affecting approximately 121,898 exposures. The rate change will be effective starting Oct. 11 for new policies and renewals. https://floir.gov/newsroom/archives/item-details/2026/10/02/commission… |
| 2026-09-22 | One Alliance North America One Alliance North America Insurance Company | Homeowners | -10.4% | 17,148 | approved (OIR release cites the requested %)Commissioner Yaworsky recently approved four companies to decrease rates that will be effective at renewals, including One Alliance North America Insurance Company, Safe Harbor Insurance Company, Unique Insurance Company and Vyrd Insurance Company. One Alliance North America requested a -10.4 rate decrease, impacting 17,148 policies; Safe Harbor requested a -4.1 rate decrease, impacting 10,501 pol https://floir.gov/newsroom/archives/item-details/2026/09/22/commission… |
| 2026-09-22 | Safe Harbor Safe Harbor Insurance Company | Homeowners | -4.1% | 10,501 | approved (OIR release cites the requested %)Commissioner Yaworsky recently approved four companies to decrease rates that will be effective at renewals, including One Alliance North America Insurance Company, Safe Harbor Insurance Company, Unique Insurance Company and Vyrd Insurance Company. One Alliance North America requested a -10.4 rate decrease, impacting 17,148 policies; Safe Harbor requested a -4.1 rate decrease, impacting 10,501 pol https://floir.gov/newsroom/archives/item-details/2026/09/22/commission… |
| 2026-09-22 | Unique | Homeowners | -3.2% | 8,266 | approved (OIR release cites the requested %)Commissioner Yaworsky recently approved four companies to decrease rates that will be effective at renewals, including One Alliance North America Insurance Company, Safe Harbor Insurance Company, Unique Insurance Company and Vyrd Insurance Company. One Alliance North America requested a -10.4 rate decrease, impacting 17,148 policies; Safe Harbor requested a -4.1 rate decrease, impacting 10,501 pol https://floir.gov/newsroom/archives/item-details/2026/09/22/commission… |
| 2026-09-22 | Vyrd Vyrd Insurance Company | Homeowners | -10.4% | 26,751 | approved (OIR release cites the requested %)Commissioner Yaworsky recently approved four companies to decrease rates that will be effective at renewals, including One Alliance North America Insurance Company, Safe Harbor Insurance Company, Unique Insurance Company and Vyrd Insurance Company. One Alliance North America requested a -10.4 rate decrease, impacting 17,148 policies; Safe Harbor requested a -4.1 rate decrease, impacting 10,501 pol https://floir.gov/newsroom/archives/item-details/2026/09/22/commission… |
| 2026-04-30 | Citizens Property Insurance Corporation Citizens Property Insurance Corporation | Citizens homeowners multiperil (statewide avg.) | -8.8% | — | 2026 rate change (Citizens notice, posted 2026-04-30)Citizens’ 2026 rate changes reflect an average 8.8% decrease for homeowners multiperil policies across the state. Homeowner wind-only policyholders will see an average 5.1% decrease. https://www.citizensfla.com/-/20260430-july-2026-rate-rule-and-wind-lo… |
| 2026-04-30 | Citizens Property Insurance Corporation Citizens Property Insurance Corporation | Citizens homeowner wind-only (statewide avg.) | -5.1% | — | 2026 rate change (Citizens notice, posted 2026-04-30)Citizens’ 2026 rate changes reflect an average 8.8% decrease for homeowners multiperil policies across the state. Homeowner wind-only policyholders will see an average 5.1% decrease. https://www.citizensfla.com/-/20260430-july-2026-rate-rule-and-wind-lo… |
| 2026-01-13 | Florida Peninsula Florida Peninsula Insurance Company | Homeowners | -8.2% | — | reduction cited by Governor/OIR releaseAn 8.2% reduction for Florida Peninsula customers https://floir.gov/newsroom/archives/item-details/2026/01/13/icymi--gov… |
| 2026-01-13 | Security First Security First Insurance Company | Homeowners | -8.0% | — | reduction cited by Governor/OIR releaseAn 8% reduction for Security First customers https://floir.gov/newsroom/archives/item-details/2026/01/13/icymi--gov… |
| 2026-01-13 | Universal Property & Casualty Universal Property & Casualty Insurance Company | Homeowners | -5.1% | — | reduction cited by Governor/OIR releaseA 5.1% reduction for Universal Property & Casualty customers https://floir.gov/newsroom/archives/item-details/2026/01/13/icymi--gov… |
| 2026-01-13 | Citizens Property Insurance Corporation Citizens Property Insurance Corporation | Citizens (statewide average, as stated in release) | -8.7% | — | approvedUnder the approved rates, the vast majority of Citizens policyholders statewide will receive a premium decrease, with a statewide average reduction of 8.7%. Over 330,000 policyholders across all 67 counties will see rate decreases, and more than 150,000 policyholders will receive reductions of 10% or greater https://floir.gov/newsroom/archives/item-details/2026/01/13/icymi--gov… |