# Florida SB 282: Warranty Associations

Florida SB 282, Warranty Associations, is a 2025 Senate bill sponsored by Keith L. Truenow (Republican); status signed, last action 2025-06-23 (Chapter No. 2025-160) (as of 2026-10-19).

- Canonical: https://policyrisk.com/state-bill/FL-SB282-2025
- As of: 2026-10-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Florida SB 282
- State: Florida
- Session: 2025
- Title: Warranty Associations
- Status: signed
- Chamber: Senate
- Introduced: 2025-01-16
- Last action: 2025-06-23, Chapter No. 2025-160
- Sponsor: Keith L. Truenow (Republican)
- Cosponsors: 2
- Subjects: Appropriation, Banking and Insurance, Commerce and Tourism, Rules, House Calendar
- Touches household money: no
- Roll calls: 5 (194 yes, 0 no in all)
- Economic provisions PRIA read: 2

## Summary

No summary available.

## Bill overview: provisions PRIA read

- Warranty buyers get stronger claim backing: benefit, low. Starting July 1, 2025, Florida home and service warranty associations can use insurance instead of an unearned-premium reserve when the insurance covers 100% of claim exposure. Insurers must be authorized in Florida; home warranty insurers may instead be approved by the state as financially able. P…
- New financial limits for warranty firms: benefit, low. Starting July 1, 2025, a warranty provider's gross written premiums in force generally cannot exceed seven times its net assets. Exceptions allow a higher ratio when the provider meets financial and reporting tests. One route requires at least $2.5 million in net assets and insurance that reimburse…

## Sponsors and cosponsors

- Sponsor: Keith L. Truenow (Republican), Senate
- Cosponsor: Banking and Insurance
- Cosponsor: Rules

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-04-29 | House | House Floor Vote | pass | 115 | 0 |   |
| 2025-04-03 | Senate | Senate Floor Vote | pass | 36 | 0 |   |
| 2025-03-19 | Senate | Rules Vote | pass | 25 | 0 |   |
| 2025-03-10 | Senate | Commerce and Tourism Vote | pass | 8 | 0 |   |
| 2025-03-03 | Senate | Banking and Insurance Vote | pass | 10 | 0 |   |

## Actions (34)

- 2025-06-23: Chapter No. 2025-160
- 2025-06-20: Approved by Governor
- 2025-06-18: Signed by Officers and presented to Governor
- 2025-04-29: Ordered enrolled (Senate)
- 2025-04-29: CS passed; YEAS 115, NAYS 0 (House)
- 2025-04-29: Read 3rd time (House)
- 2025-04-29: Added to Third Reading Calendar (House)
- 2025-04-29: Placed on 3rd reading (House)
- 2025-04-29: Read 2nd time (House)
- 2025-04-28: 1st Reading (Committee Substitute 2) (House)
- 2025-04-28: Bill added to Special Order Calendar (4/29/2025) (House)
- 2025-04-28: Bill referred to House Calendar (House)
- 2025-04-03: In Messages (House)
- 2025-04-03: Immediately certified -SJ 330 (Senate)
- 2025-04-03: CS passed; YEAS 36 NAYS 0 -SJ 328 (Senate)
- 2025-04-03: Read 3rd time -SJ 328 (Senate)
- 2025-04-03: Read 2nd time -SJ 328 (Senate)
- 2025-04-01: Placed on Special Order Calendar, 04/03/25 (Senate)
- 2025-03-26: CS/CS by Rules read 1st time (Senate)
- 2025-03-20: Placed on Calendar, on 2nd reading (Senate)
- 2025-03-20: Pending reference review -under Rule 4.7(2) - (Committee Substitute) (Senate)
- 2025-03-19: CS/CS by- Rules; YEAS 25 NAYS 0 (Senate)
- 2025-03-14: On Committee agenda-- Rules, 03/19/25, 11:30 am, 412 Knott Building (Senate)
- 2025-03-11: Now in Rules (Senate)
- 2025-03-10: CS by Banking and Insurance read 1st time (Senate)
- 2025-03-10: Favorable by Commerce and Tourism; YEAS 8 NAYS 0 (Senate)
- 2025-03-05: On Committee agenda-- Commerce and Tourism, 03/10/25, 1:30 pm, 110 Senate Building (Senate)
- 2025-03-05: Now in Commerce and Tourism (Senate)
- 2025-03-04: Introduced (Senate)
- 2025-03-04: Pending reference review under Rule 4.7(2) - (Committee Substitute) (Senate)
- 2025-03-03: CS by Banking and Insurance; YEAS 10 NAYS 0 (Senate)
- 2025-02-24: On Committee agenda-- Banking and Insurance, 03/03/25, 1:00 pm, 412 Knott Building (Senate)
- 2025-01-29: Referred to Banking and Insurance; Commerce and Tourism; Rules (Senate)
- 2025-01-16: Filed (Senate)

## Bill text

- er, 2025-07-01: [HTML](https://www.flsenate.gov/Session/Bill/2025/282/BillText/er/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2025/282/BillText/er/PDF)
- c2, 2025-03-20: [HTML](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c2/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c2/PDF)
- c1, 2025-03-04: [HTML](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c1/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c1/PDF)
- Filed, 2025-01-16: [HTML](https://www.flsenate.gov/Session/Bill/2025/282/BillText/Filed/HTML), [PDF](https://www.flsenate.gov/Session/Bill/2025/282/BillText/Filed/PDF)

## Related bills

- HB 1427: Nursing Education Programs (vetoed)
- HB 1095: Criminal Offender Substance Abuse Program (vetoed)
- HB 6017: Recovery of Damages for Medical Negligence Resulting in Death (vetoed)
- HB 1445: Public Officers and Employees (vetoed)
- HB 11: Municipal Water and Sewer Utility Rates (vetoed)
- HB 5015: State Group Insurance (vetoed)

## Sources
- [er (HTML)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/er/HTML)
- [er (PDF)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/er/PDF)
- [c2 (HTML)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c2/HTML)
- [c2 (PDF)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c2/PDF)
- [c1 (HTML)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c1/HTML)
- [c1 (PDF)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/c1/PDF)
- [Filed (HTML)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/Filed/HTML)
- [Filed (PDF)](https://www.flsenate.gov/Session/Bill/2025/282/BillText/Filed/PDF)

## Related
- [HB 1427: Nursing Education Programs](https://policyrisk.com/state-bill/FL-HB1427-2025)
- [HB 1095: Criminal Offender Substance Abuse Program](https://policyrisk.com/state-bill/FL-HB1095-2025)
- [HB 6017: Recovery of Damages for Medical Negligence Resulting in Death](https://policyrisk.com/state-bill/FL-HB6017-2025)
- [HB 1445: Public Officers and Employees](https://policyrisk.com/state-bill/FL-HB1445-2025)
- [HB 11: Municipal Water and Sewer Utility Rates](https://policyrisk.com/state-bill/FL-HB11-2025)
- [HB 5015: State Group Insurance](https://policyrisk.com/state-bill/FL-HB5015-2025)
- [Florida bills](https://policyrisk.com/states/florida/bills)
- [Florida state hub](https://policyrisk.com/states/florida)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/FL-SB282-2025 (as of 2026-10-19).