American Integrity Insurance Company cut homeowners insurance rates for about 184,000 Florida policyholders, but the size of that cut is 0.3%. A second American Integrity filing reaches far fewer customers, 8,900, and takes 12.3% off their rates. Both were August filings that are already in effect, according to the Florida Office of Insurance Regulation’s Oct. 29 announcement.
The split matters. A policyholder in the 184,000 group has gone from one premium to a slightly lower one, while a customer in the 8,900 group could see a bill that drops by roughly one-eighth. The state’s announcement gives the two percentages and customer counts but does not break them out by county or policy type.
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How little is a 0.3% cut?
OIR’s market overview, with data through July 2026, puts the average admitted-market homeowners premium at $3,736 a year with wind coverage and $2,124 without it. On that $3,736 average, a 0.3% decrease works out to about $11 a year. This is an illustration using the statewide average, not an American Integrity figure.
The 12.3% filing is a different scale. Applied to the same average, it would be about $460 a year. The state’s announcement does not say which policies fall in that smaller group.
Is American Integrity cutting more than it did before?
American Integrity has been in this conversation for two years. In September 2024, CEO Bob Ritchie told WPTV that “it’s a slow movement downward,” and he said the company would pass along the benefits of the state’s legal reforms as they appeared. At that time the insurer had asked for a 6.9% decrease for about 55,000 customers and no increase for about 215,000.
Ritchie added then: “what I promise all of our customers is that as we see the benefits of reform we will pass them along.” The 2024 plan covered a select group of customers, with a reduction of nearly 7%.
The August 2026 filings are larger in reach. The 184,000 figure is more than three times the 55,000 customers in the 2024 request, though the 0.3% depth is much shallower than 6.9%.
Where does the cut fit in October’s wave?
The same announcement lists a second insurer’s August filing. Florida Family Home Insurance Company’s decrease reaches 20,700 consumers. Like American Integrity’s, it was an August filing already in effect when OIR made its announcement.
OIR says more than 824,300 Florida homeowners are getting decreases in new policies or renewals in October, with the deepest as high as 12.1%. The agency adds that pending requests taking effect in November, December and January would help about 450,000 more people.
Commissioner Mike Yaworsky said OIR is “not taking the foot off the gas,” and CFO Blaise Ingoglia credited the state’s tort reforms. Since January 2024, 48 companies have filed for a decrease and 53 have asked for no change or a 0% increase, OIR says.
The trade group says the change has been gradual. Chase Mitchell of the American Property Casualty Insurance Association told Insurance Business that average homeowners rate increases fell from 9.6% in 2023 to 1.3% in 2024 and 0.9% in 2025. A 0.3% decrease fits that slow-bend pattern, since the market has moved from steep increases to small cuts in a few years.
What should an American Integrity customer check?
The first thing to look at is the renewal notice: the new premium, the old premium and the percentage in between. The Office of Insurance Regulation’s home page, floir.gov, is the state’s starting point for rate questions.
Florida’s market is moving, and a 0.3% change leaves room to ask what other companies charge. Yaworsky called the September approvals “the latest wave of significant rate decreases for Floridians.” In OIR’s Sept. 22 bulletin, four insurers were approved for cuts of 3.2% to 10.4% at renewal, and Kin Insurance announced average decreases of more than 20% for South Florida homeowners.
Is a 0.3% cut the best your Florida renewal can do?
A customer in American Integrity’s 184,000-policy group got about $11 a year off an average bill while other Florida insurers were filing cuts of 10% and more. Accepting the renewal without comparing means leaving that gap unexamined.
“Cut Your House Costs” is an 11-page guide whose home-insurance move is a lower home insurance bill by shopping and asking for every discount. It also compares home equity options side by side and includes a home-cost audit worksheet for the rest of the house’s bills.
Get the shop-and-ask discount steps for a 0.3% renewal in the Cut Your House Costs guide →
This article was produced with AI assistance and edited for accuracy against the sources linked above.
Warren Cohen is a finance writer based in Phoenix, Arizona, covering personal finance topics including credit, banking, and beginner investing. He earned his degree in business administration from Arizona State University and began his career working in consumer finance, where he gained direct experience with lending and credit systems. He now writes for personal finance websites and fintech platforms, focusing on clear, practical content that helps readers make informed financial decisions.
