Slide Insurance is introducing a new Dwelling Fire program in Florida, with a proposed effective date of July 2, 2026, according to a filing submitted to the Florida Office of Insurance Regulation.

The program reflects a traditional peril-based rating structure, with separate base rates for fire, vandalism, all other perils, liability/medical, sinkhole, hurricane, and other wind. Hurricane coverage remains the dominant cost driver, with a base rate exceeding 10,000 compared to materially lower non-catastrophe perils.

Pricing incorporates a wide range of rating variables, including territory, coverage limits, protection class, construction type, and deductible selections. Territory segmentation is extensive, with county-level splits between coastal and non-coastal regions across Florida, reinforcing localized catastrophe exposure as a key underwriting input.

Wind mitigation plays a central role in premium variability. In sample scenarios, wind mitigation factors range from 0.46 to 1.00 depending on roof characteristics, construction features, and compliance with building standards. This results in meaningful premium differences, particularly in wind-exposed areas such as Monroe County.

Illustrative premiums highlight the spread driven by mitigation and construction differences. For a $150,000 Coverage A risk in Monroe County, total policy premiums range from approximately $2,665 to $5,453 depending on building age and mitigation features. Higher coverage scenarios (e.g., $300,000) can exceed $10,800 in total premium, with hurricane losses accounting for the majority of expected cost.

The filing also includes a catastrophe load tied to the Florida Hurricane Catastrophe Fund, along with additional charges such as emergency management assessments and MGA fees. A cat protection surcharge, approaching 30% of premium for policies with wind coverage, further underscores the weight of catastrophe exposure in the pricing model.

Additionally, the program outlines credits for excluding wind and hail coverage, based on Citizens Property Insurance Corporation wind-only territory definitions. These credits reflect the share of total premium attributable to wind risk and vary by county.

Overall, the filing positions Slide’s product as a catastrophe-sensitive offering with highly granular pricing, where wind exposure, mitigation features, and territory drive the majority of premium variation.