Florida Homeowners Insurance Rates: 824,300 Households Get Decreases Up to 12.1% on October Renewals
HOMEOWNERS INSURANCE & CONSUMER · FLORIDA
More than 824,300 Florida homeowners are receiving rate decreases on new policies and renewals that took effect in October, with cuts of up to 12.1%, the Florida Office of Insurance Regulation announced on October 29.
For an Orlando household, the decrease does not arrive as a rebate or a mid-term adjustment. It shows up when a policy is newly written or comes up for renewal with one of the companies whose filing took effect in October — and how much of it a household sees depends on its own company and policy, because the 12.1% figure is the deepest cut in the batch, not a statewide average.
What regulators announced
Insurance Commissioner Mike Yaworsky and Chief Financial Officer Blaise Ingoglia highlighted the October decreases in a joint release from the Office of Insurance Regulation (OIR) dated October 29, 2026. Since January 2024, the office says, 48 companies have filed for a rate decrease and 53 companies have requested no change, or 0%.
Yaworsky said the office is in some cases pushing companies for larger decreases where its actuaries determine the companies are capable of them, and that regulators plan to announce more decreases in the next two months and into the new year. Ingoglia said the decreases reflect changes in Florida’s insurance market since the state’s tort reforms.
What is still coming in November, December and January
The October batch is not the end of the current filing cycle. OIR says it has multiple rate decrease requests still pending that will go into effect in November, December and January, covering an additional 450,000 Floridians. The October 29 release does not publish a company-by-company list for those pending filings, so households renewing in those months cannot yet tell from the release alone whether their own company is in that group.
The release also notes two substantial decrease filings received in August that are already in effect: American Integrity Insurance Company filed a 0.3% decrease covering 184,000 consumers and a 12.3% decrease covering 8,900 consumers, and Florida Family Home Insurance Company filed an 8% decrease covering 20,700 consumers.
What this means for an Orlando renewal
Three things follow from the filing itself, and only those three. First, the decreases apply at new business and renewal, so a household mid-policy should not expect its current premium to change. Second, the size of any decrease is set by the household’s own company’s filing — the announced range runs from the small August filings above up to 12.1% — and the release gives no Orlando-specific or Orange County count. Third, more filings are scheduled to take effect through January, so a renewal that lands in November, December or January may be priced under a different filing than one that landed in October.
This desk covers the state’s insurance filings as they are decided. Our wider coverage of household costs in the area includes Lake Nona for new residents and moving to Orlando: the neighborhoods locals actually pick, and this month’s other household-bill change is on the electric side: OUC’s new DemandLevel charge on November bills. All of this desk’s coverage is collected in the Homeowners Insurance & Consumer archive, part of the Citizen’s beat reporters.
Our standards: this story is reported only from the regulator’s official release named below. It is general information about a rate filing, not personal financial advice, and it does not predict any individual household’s premium. If any fact here proves wrong, our Corrections policy applies and the fix will be noted on this story.
Sources & notes
- Florida Office of Insurance Regulation — “Commissioner Mike Yaworsky and Chief Financial Officer Blaise Ingoglia Highlight Major Rate Decreases for Homeowners Effective This Month,” official release, October 29, 2026 (824,300 homeowners; decreases up to -12.1% effective October; 48 companies filed decreases and 53 filed 0% since January 2024; an additional 450,000 Floridians in November–January; American Integrity -0.3% / 184k and -12.3% / 8.9k and Florida Family Home -8% / 20.7k August filings). All figures in this story are drawn from that release.
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