Form 8-K





Washington, D.C. 20549







Pursuant to Section 13 or 15(d) of the

Securities and Exchange Act of 1934

Date of Report (or Date of Earliest Event Reported): August 27, 2008



Homeowners Choice, Inc.

(Exact Name of Registrant as Specified in Its Charter)




Florida   001-34126   20-5961396

(State or Other Jurisdiction of

Incorporation or Organization)

  (Commission File Number)  

(I.R.S. Employer

Identification Number)

145 N.W. Central Park Plaza, Suite 115

Port St. Lucie, Florida 34986

(Address of Principal Executive Offices)

(772) 204-9394

(Telephone Number, Including Area Code)



Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):


¨ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)


¨ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)


¨ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))


¨ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))




Section 2 – Financial Information


Item 2.02 Results of Operations and Financial Condition

On August 27, 2008, we released our earnings for the three months and six months ended June 30, 2008. We plan to host an earnings conference call that same day at 4:30 p.m. EDT during which our chief executive officer and chief financial officer will discuss the results. The call will be available live at (877) 407-6180 (toll-free). International callers should instead call (201) 689-8049. Professional analysts wishing to participate in the call should contact Jay Madhu, investor relations director, at (813) 263-5007. A live audio webcast of the call will be available at Replays of the webcast will be available until Nov. 28, 2008. Our earnings release appears as Exhibit 99.1.

Section 9 – Financial Statements and Exhibits


Item 9.01 Exhibits.

Exhibit 99.1 Earnings Release


Pursuant to the requirements of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

Dated: August 27, 2008.



/s/ Francis X. McCahill, III

Name:   Francis X. McCahill, III
Title:   Chief Executive Officer

A signed original of this Form 8-K has been provided to Homeowners Choice, Inc. and will be retained by Homeowners Choice, Inc. and furnished to the Securities and Exchange Commission or its staff upon request.