Skip to Navigation | Skip to Main Content | Skip to Site Map

FLHouse.gov | Mobile Site

Senate Tracker: Sign Up | Login

The Florida Senate

SB 1476: Homeowners’ Insurance Premium Discounts

GENERAL BILL by Bernard

Homeowners’ Insurance Premium Discounts; Requiring residential property insurers to provide specified premium reductions for claim-free periods and mitigation improvements; prohibiting the use of storm-related claims to deny eligibility for a premium reduction; requiring the Office of Insurance Regulation to adopt rules relating to mitigation upgrades; prohibiting certain claims that are the result of an act of God from being used as a cause for premium discount ineligibility, etc.

Effective Date: 7/1/2026
Last Action: 1/22/2026 Senate - Introduced
Bill Text: Web Page | PDF



Bill History

Date Chamber Action
1/8/2026 Senate • Filed
1/16/2026 Senate • Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
1/22/2026 Senate • Introduced