Homeowners of America Insurance Company filed a homeowners rate manual update in Alabama, with changes effective June 1, 2026, for new business and July 1, 2026, for renewals.

The filing replaces the existing manual and updates key rating elements, including financial responsibility scores and roof age factors. It also introduces new credits such as an Advanced Shopper Discount and references impact resistant roofing standards.

The program includes technology related incentives, including a Smart Home Discount, and reflects the company’s affiliation with Porch Group.