Florida · 2026 Regular Session · Bill
SB 1476: Homeowners’ Insurance Premium Discounts
Did not advance Official data
- Introduced
- In committee
- Passed one chamber
- Passed both chambers
- Enacted
- Did not advance
Last official action: ·Record last updated:
Plain-language summary
SB 1476 is a bill introduced in the Florida Senate on January 8, 2026. According to its official title, it concerns: Homeowners’ Insurance Premium Discounts. Primary sponsor: Mack Bernard (Democratic). Most recent recorded action (March 13, 2026): Died in Banking and Insurance.
Generated automatically from the official title, sponsor list, and status record only. It does not characterize the bill’s purpose or effects. How summaries are written
Official summary
Abstract published by the legislature (via Open States). Text as published by the legislature; reproduced verbatim.
Homeowners’ Insurance Premium Discounts; Requiring residential property insurers to provide specified premium reductions for claim-free periods and mitigation improvements; prohibiting the use of storm-related claims to deny eligibility for a premium reduction; requiring the Office of Insurance Regulation to adopt rules relating to mitigation upgrades; prohibiting certain claims that are the result of an act of God from being used as a cause for premium discount ineligibility, etc.
Sponsors
Sponsors by party (alphabetical): Democratic 1
| Name | Role | Party | Chamber | District |
|---|---|---|---|---|
| Mack Bernard | Primary sponsor | Democratic | Senate | 24 |
“Support” is shown only as formal sponsorship recorded by the legislature. Roll-call votes are available on the official bill page.
Recent official actions
- Died in Banking and Insurance
- Introduced
- Referred to Banking and Insurance; Appropriations Committee on Agriculture, Environment, and General Government; Fiscal Policy
- Filed