FL Insurance WatchFlorida home insurance rates are finally falling.
Rate moves, who’s writing new homeowners policies, Citizens takeouts and new insurers — pulled straight from Florida OIR and Citizens publications, with a link to every source.
4,200,776 owner-occupied homeowners policies in force (August 1, 2026 - August 31, 2026) · 184,564 policies covered by tracked rate moves. Computed from the OIR and Citizens sources cited below.
Latest postsAll posts →
Florida Amendment 3 Passed: What It Means for Your Home Insurance
The new homestead exemption cuts some property taxes starting in 2027. Here's how it touches your escrow, your coverage and possibly your premium.
legislationproperty taxesescrowCitizens Cut Homeowners Rates. Condo Associations Got Increases.
Citizens' July 2026 rates lowered personal homeowners premiums while raising commercial-residential and condo association policies. Here's what the numbers say.
Citizenscondo associationsrate changesWhat Florida's 2026 Election Could Mean for Home Insurance
Governor-elect Byron Donalds has pledged an insurer scorecard and an end to the Cat Fund's cash build-up factor. Here's what those ideas are and what's unchanged.
legislationCat FundhomeownersRate changes by company
Announced company-level changes, OIR & Citizens
Top 10 writers of new HO policies
New owner-occupied policies written, August 1, 2026 - August 31, 2026
Latest rate movesGreen ▼ = decrease, red ▲ = increase
| Announced | Company | Line | Change | Policies | |
|---|---|---|---|---|---|
| 2026-10-02 | American Modern Home Insurance Company | Renters (HO-4) | -12.8% | 121,898 | source |
| 2026-09-22 | One Alliance North America | Homeowners | -10.4% | 17,148 | source |
| 2026-09-22 | Safe Harbor | Homeowners | -4.1% | 10,501 | source |
| 2026-09-22 | Unique | Homeowners | -3.2% | 8,266 | source |
| 2026-09-22 | Vyrd | Homeowners | -10.4% | 26,751 | source |
| 2026-04-30 | Citizens Property Insurance Corporation | Citizens homeowners multiperil (statewide avg.) | -8.8% | — | source |
| 2026-04-30 | Citizens Property Insurance Corporation | Citizens homeowner wind-only (statewide avg.) | -5.1% | — | source |
| 2026-01-13 | Florida Peninsula | Homeowners | -8.2% | — | source |
All rate changes & exact source quotes →
Get the weekly rate-moves email
Free, short and sourced: approved rate changes, Citizens takeouts, new insurers and who’s writing.
Who wrote the most new homeowners policies
| Insurer | New policies written | Policies in force |
|---|---|---|
| American Integrity Insurance Company | 8,808 | 292,272 |
| Frontline Insurance Reciprocal Exchange | 4,074 | 5,179 |
| Tower Hill Insurance Exchange | 3,992 | 232,022 |
| People'S Trust Insurance Company | 3,424 | 76,223 |
| State Farm Florida Insurance Company | 2,937 | 396,609 |
| Universal Property & Casualty Insurance Company | 2,734 | 235,426 |
| Ovation Home Insurance Exchange | 2,689 | 77,933 |
| Condo Owners Reciprocal Exchange | 2,601 | 7,058 |
| Kin Interinsurance Network | 2,314 | 108,407 |
| Cypress Property & Casualty Insurance Company | 2,116 | 48,283 |
Source: OIR Monthly Market Intelligence Report, August 1, 2026 - August 31, 2026 (Data pulled on October 30, 2026 at 11:24 AM) — XLSX via OIR Residential Market Share Reports. Data submitted to the Market Intelligence Reports is not audited by the Florida Office of Insurance Regulation (per OIR).
Newly licensed P&C insurers
| Date | Company | Authority |
|---|---|---|
| 10/14/26 | Atlantic Charter Insurance Company | Property And Casualty Insurer |
| 10/06/26 | Compass Insurance Company Of Ny D/B/A Compass Insurance | Property And Casualty Insurer |
| 09/18/26 | Sentry Direct Insurance Company | Property And Casualty Insurer |
| 08/07/26 | Jet Insurance Company | Property And Casualty Insurer |
| 07/13/26 | Dallas Specialty Insurance Company | Property And Casualty Insurer |
| 06/25/26 | Vision Insurance Exchange | Reciprocal |
Source: OIR New Entities report. Not every new P&C insurer writes homeowners coverage.
Latest Citizens takeouts
| Approved | Company | Assumption date(s) |
|---|---|---|
| July 17, 2026 | Praxis Reciprocal Exchange | October 20, 2026 |
| July 17, 2026 | Southern Oak Insurance Company | October 20, November 17, December15, 2026 |
| July 17, 2026 | American Integrity Insurance Company | October 20, November 17, December15, 2026 |
| June 15, 2026 | Slide Insurance Company | September 15, 2026 |
| June 15, 2026 | Slide Insurance Company | September 22, 2026 |
| May 15, 2026 | Mangrove Property Insurance Company | August 18, September 15, 2026 |
Source: OIR Take-Out Companies.