One Alliance North America Insurance Company is updating its Florida homeowners program following its name change from Universal North America Insurance Company, with the filing reflecting a rebrand across manuals, forms, and website references along with lower rates for its existing book.

The company is proposing an overall rate decrease of 10.4% across its homeowners, renters, and condo policies, effective May 21, 2026 for new and renewal business, based on prior Universal North America experience:

• Homeowners (H03) has $47,609,000 in premium. The indicated change is -17.1%, but the overall proposed change is -10.8%.
• Renters (H04) has $46,000 in premium. No change is indicated or proposed (0.0% both ways).
• Condo (H06) has $4,918,000 in premium. The indicated change is -6.8%, and the proposed change is -7%.

In total, across all three forms, there is $52,573,000 in premium. The indicated change is -16.1%, and the overall proposed rate change is -10.4%. The largest reduction is in standard homeowners policies, where the indicated change was a 17.1% decrease and the selected change came in at 10.8%, while condo policies are down 7% and renters policies are unchanged.

The filing also updates dwelling coverage rating factors for homeowners policies, modeled after Tower Hill Insurance Exchange.