The Florida Senate

HB 775: Homeowner's Insurance Premium Reductions

GENERAL BILL by Edmonds

Homeowner's Insurance Premium Reductions; Requires premium reductions to be applied to homeowners who maintain certain claim-free periods; provides requirements for such premium reductions; provides that homeowners who file major storm claims remain eligible for premium reductions; requires OIR to determine premium reduction schedules for such homeowners; prohibits homeowners' insurers from treating major storm claims as certain other claims; requires homeowners' premium reductions for mitigation upgrades.

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• Bill History

  Date	Chamber	Action
  12/15/2025	House	• Filed
  1/5/2026	House	• Referred to Insurance & Banking Subcommittee • Referred to Commerce Committee • Now in Insurance & Banking Subcommittee

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• HB 775, Original Filed Version (Current Bill Version) Posted 12/15/2025 at 2:44 PM

  Bill Text:	PDF

  Analyses:	None

  Related Bills (1)

  Bill Number	Subject	Filed By	Relationship	Last Action and Location	Track Bills
  S 1476	Homeowners’ Insurance Premium Discounts	Bernard	Compare	Last Action: 1/8/2026 S Filed

  Citations - Statutes (1)

  Citation	Catchline	Location in Bill Location In Bill Help
  627.70171		Page 1 (pdf)

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