Cincinnati Insurance has filed updates to its Florida Homeowners Program, effective March 21, 2026, for new business and June 1, 2026, for renewals. The filing revises base rates for tenant and condo policies, adjusts service line rates for homeowners, and expands Cincinnati Personal Cyber coverage options.

The company also updated its reinsurance loads using new contracts and incorporated county-level hurricane loss modeling to refine territorial base rates. This marks a refiled submission following the withdrawal of earlier versions after addressing regulator objections.