Florida-focused insurers set to end 2025 on high as momentum extends
Florida-focused insurers Heritage Insurance HRTG.N, Universal Insurance UVE.N, and HCI Group HCI.N set to end 2025 on a high note
Legislative reforms introduced in 2022 have significantly improved the property insurance landscape in Florida, a market where some large national insurers have scaled back their presence in recent years due to frequent natural disasters
The reforms have resulted in a significant drop in litigation claim frequency as well as attracted new entrants to Florida’s insurance market, analysts have said
IPOs: Florida-based American Integrity Insurance AII.N and Slide Insurance SLDE.O, and Exzeo Group XZO.N also went public in New York in 2025
Company | 2025 YTD | 2024 | 2023 |
Heritage Insurance | 140.5% | 85.6% | 262.2% |
Universal Insurance | 60.4% | 32.6% | 52.1% |
HCI Group | 64.4% | 33.3% | 120.8% |
Florida-focused insurers end 2025 on high note
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