Florida-focused insurers set to end 2025 on high as momentum extends

Exzeo

31/12/2025 19:16

** 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 https://reut.rs/4q1KELn

 (Reporting by Arasu Kannagi Basil in Bengaluru)

 ((ArasuKannagi.Basil@thomsonreuters.com;))