Florida legislation · 2026 Regular Session
Florida H775: Homeowner's Insurance Premium Reductions
Status: Failed, March 13, 2026
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.
What the bill says
An act relating to homeowner's insurance premium reductions; creating s. 627.70171, F.S.; providing a short title; providing legislative intent; providing definitions; requiring premium reductions to be applied to homeowners who maintain certain claim-free periods; providing requirements for such premium reductions; providing that homeowners who file major storm claims remain eligible for premium reductions; requiring the Office of Insurance Regulation to determine premium reduction schedules for such homeowners…
From the introduced text, December 15, 2025:
A bill to be entitled An act relating to homeowner's insurance premium reductions; creating s. 627.70171, F.S.; providing a short title; providing legislative intent; providing definitions; requiring premium reductions to be applied to homeowners who maintain certain claim-free periods; providing requirements for such premium reductions; providing that homeowners who file major storm claims remain eligible for premium reductions; requiring the Office of Insurance Regulation to determine premium reduction schedules for such homeowners; prohibiting homeowners' insurers from treating major storm claims as certain other claims; requiring premium reductions for certain mitigation upgrades; providing duties and publication requirements for the office; providing reporting requirements for insurers; providing rulemaking authority; providing an effective date. Be It Enacted by the Legislature of the State of Florida: Section 1. Section 627.70171, Florida Statutes, is created to read: 627.70171 Homeowner's insurance premium reductions based on claim-free periods and mitigation upgrades.-- words underlined are additions. hb775-00 FLORIDAHOUSEOFREPRESENTATIVES HB 775 2026 (1) SHORT TITLE.--This section may be cited as the "Homeowner Savings and Premium Reduction Act." (2) LEGISLATIVE INTENT.--It is the intent of the Legislature that: (a) Responsible homeowners receive lower property insurance premiums. (b) Homeowners who maintain their property in good condition and avoid making insurance claims be rewarded with predictable, automatic savings. (c) Homeowners who file legitimate claims related to major storms not be penalized. (d) …
Sponsors
- Edmonds, Tae (D, HD-088) · primary sponsor
- Campbell, Daryl (D, HD-099)
Latest actions
- : Died in Insurance & Banking Subcommittee
- : 1st Reading (Original Filed Version)
- : Now in Insurance & Banking Subcommittee
- : Referred to Commerce Committee
- : Referred to Insurance & Banking Subcommittee
- : Filed
Common questions
- What is H775?
- H775 is a bill in the Florida Legislature (2026 Regular Session): Homeowner's Insurance Premium Reductions.
- What does H775 do?
- In its own words: An act relating to homeowner's insurance premium reductions; creating s. 627.70171, F.S.; providing a short title; providing legislative intent; providing definitions; requiring premium reductions to be applied to homeowners who maintain certain claim-free periods; providing requirements for such premium reductions; providing that homeowners who file major storm claims remain eligible for premium reductions; requiring the Office of Insurance Regulation to determine premium reduction schedules for such homeowners…
- What is the status of H775?
- Failed as of March 13, 2026. Latest action: Died in Insurance & Banking Subcommittee (March 13, 2026).
- Who sponsored H775?
- Edmonds, Tae (D, HD-088), with 1 co-sponsor.
- Where is the official record for H775?
- On the Florida Legislature website: https://www.flsenate.gov/Session/Bill/2026/775
Source: official Florida record. Tracked by Delilah, AI for legislation across all 50 states and Congress.