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.
4,200,810 owner-occupied homeowners policies in force (July 1, 2026 - July 31, 2026) · 184,564 policies covered by tracked rate moves. Computed from the OIR and Citizens sources cited below.
Rate changes by company
Announced company-level changes, OIR & Citizens
Top 10 writers of new HO policies
New owner-occupied policies written, July 1, 2026 - July 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 |
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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 | 9,042 | 287,674 |
| First Protective Insurance Company | 4,870 | 252,838 |
| Tower Hill Insurance Exchange | 4,494 | 231,469 |
| Universal Property & Casualty Insurance Company | 3,825 | 236,100 |
| People'S Trust Insurance Company | 3,112 | 74,130 |
| Ovation Home Insurance Exchange | 2,913 | 76,455 |
| State Farm Florida Insurance Company | 2,639 | 396,393 |
| Kin Interinsurance Network | 2,548 | 107,878 |
| Patriot Select Property And Casualty Insurance Company | 2,350 | 34,982 |
| Florida Peninsula Insurance Company | 2,290 | 149,171 |
Source: OIR Monthly Market Intelligence Report, July 1, 2026 - July 31, 2026 (Data pulled on October 2, 2026 at 9:37 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 |
|---|---|---|
| 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 |
| 05/29/26 | Sypher Insurance Exchange | Reciprocal |
| 05/18/26 | Builder Reciprocal 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.