Homesite Insurance Company, part of American Family, submitted its annual HO-3 rate certification in Florida, confirming that its current homeowner rates remain actuarially sound with no changes requested. The certification took effect October 11, 2025, and applies to both new and renewal business.

The filing covers 19,435 policies with nearly $45 million in earned premium. Homesite reports a 62.4% expected loss ratio, a 31% expense ratio, and a 6.6% profit and contingency factor. Trend selections include a 4.6% annual premium trend and a 17.9% loss trend.

Past adjustments show moderate movement over the last three years, including +6.6% in 2022, a slight decrease later that year, and a 2.3% increase in 2024. No red flags were noted in the filing.