佛罗里达州逾82.43万名屋主本月迎来房屋保险降费：最高降幅12.1%，另有45万人排队等降
美国佛罗里达州莱昂县塔拉哈西市消息：佛罗里达州保险专员 Mike Yaworsky 与州首席财务官 Blaise Ingoglia 10月29日共同通报，多家主要保险公司申请的费率下调已于10月生效，本月将有逾82.43万名佛罗里达州屋主在新保单或续保中获得降费，最高降幅达12.1%。
州保险监管办公室（OIR）表示，自2024年1月以来，已有48家公司申请下调费率，53家公司申请维持不变、即0%涨幅。监管办公室还在审查多项待批的降费申请，并称在某些情况下，若精算师判断保险公司有能力承担更大降幅，会推动公司降得更多。
Yaworsky 说：「我很高兴再通报一批屋主费率下调，最新这一大批都对10月的新客户或续保客户生效。保险监管办公室正努力审查这些申请。我们不会松劲，计划在接下来两个月到新的一年里宣布更多降费。」
Ingoglia 说：「佛罗里达家庭理应以最低的费率买到最好的房屋保险保障。这批降费实实在在地证明，本州历史性的侵权改革以来，佛罗里达保险市场已经出现积极变化。作为首席财务官，我会继续与保险监管办公室和佛州保险公司合作，继续为各家各户压低保险费率。」
后续降费已经排上日程：保险监管办公室手头还有多项降费申请，将在11月、12月和明年1月生效，预计另有约45万名佛罗里达人将获得降费。此外，8月收到并已生效的大幅降费包括：American Integrity 保险公司两项申请，分别为184,000名消费者降0.3%、8,900名消费者降12.3%；Florida Family Home 保险公司为20,700名消费者降8%。据佛罗里达州首席财务官办公室10月29日新闻稿与 NAIC NewsWire 10月30日汇编。
More Than 824,300 Florida Homeowners Get Home Insurance Rate Cuts This Month, Up to 12.1%, With 450,000 More to Come
In Tallahassee, Leon County, Florida, Insurance Commissioner Mike Yaworsky and Chief Financial Officer Blaise Ingoglia on October 29 highlighted multiple rate decrease requests from major insurance companies that became effective in October. This month, more than 824,300 Florida homeowners will receive rate decreases in their new policies or renewals, including decreases up to 12.1%.
Since January 2024, 48 companies have filed for a rate decrease, and 53 companies have requested no change, a 0% increase, according to the Office of Insurance Regulation (OIR). OIR continues to review multiple pending requests, and said that in some cases it pushes companies for larger decreases if its actuaries determine the companies are capable of doing so.
"I am thrilled to highlight more rate decreases for Florida homeowners, with the most recent large batch all being effective for new customers or renewals this October," Yaworsky said. "The Office of Insurance Regulation is working hard to review all of these requests. We are not taking the foot off the gas, and plan to announce more rate decreases in the next two months and going into the new year."
"Florida families deserve to pay the lowest rate for the best coverage possible for their homeowners insurance policies," Ingoglia said. "These rate decreases are proof positive of the positive changes in Florida's insurance market since our historic tort reforms. As CFO, I will continue to work with the Office of Insurance Regulation and Florida insurance carriers to continue to bring lower insurance rates to the state for families."
More decreases are already scheduled: OIR has multiple pending requests that will take effect in November, December and January, covering an additional 450,000 Floridians. Substantial decrease filings received in August are already in effect: American Integrity Insurance Company filed two requests, a 0.3% decrease for 184,000 consumers and a 12.3% decrease for 8,900 consumers, while Florida Family Home Insurance Company filed an 8% decrease for 20,700 consumers. Source: Florida Chief Financial Officer news release of October 29, 2026, via NAIC NewsWire of October 30.
来源：GSM·美国（原文链接）
图片来源：图：美国佛罗里达州莱昂县塔拉哈西市的佛罗里达州议会大厦（新旧两座）。Michael Rivera 摄，CC BY-SA 3.0，经 Wikimedia Commons。 / The Florida Historic Capitol and State Capitol in Tallahassee, Leon County, Florida. Photo by Michael Rivera, CC BY-SA 3.0, via Wikimedia Commons.
