HO-3 Coverage A Premiums Show
Signs of Stabilization

In this edition of Market Insights, we take a focused look at HO-3 Coverage A (dwelling) trends in Florida’s surplus lines market, where recent data shows clear signs of pricing moderation and declining average premiums per policy.

Across surplus lines HO-3 policies with Coverage A limits between $100,000 and
$10 million, policy counts increased by 22 percent from 2024 to 2025, whereas total premium increased by only 5 percent. As a result, average premium per policy declined by approximately 14 percent year over year.

This report examines:

• Coverage A trends by insured value tier
• County-level patterns across Florida's largest and smallest counties
• How policy growth is contributing to declining average premiums
• Indicators that recent reforms are impacting pricing behavior and availability

Taken together, the findings point to a stabilizing market with declining average premiums per policy.

Download the full report below to explore HO-3 Coverage A trends and what they signal about current market conditions.

If you have any questions, please contact FSLSO staff at 800.562.4496, or by email at publicinfo@fslso.com.