Heritage Property & Casualty Insurance Company announced a rate decrease for Florida policyholders, with some counties experiencing reductions of up to 9.6%. The Florida Office of Insurance Regulation approved this change, which will take effect on February 18, 2026.
Ernie Garateix, CEO of Heritage Insurance, said, “This rate decrease is an important change for our Florida policyholders and a sign of our continued commitment to affordable and reliable insurance solutions.”
Notable reductions include Seminole County with a 9.6% decrease and Hillsborough County with up to a 6.7% decrease. Overall, policyholders will see an average decrease of 3.3%.
In Lee County, policyholders will see a 6.4% reduction.
Garateix emphasized the positive impact of Florida’s insurance market reforms, saying they enable Heritage to offer meaningful savings while maintaining financial stability.
Heritage Insurance Holdings, Inc. is a super-regional property and casualty insurance holding company with expertise in catastrophe response, serving areas prone to hurricanes, wildfires, and storms.