---
title: Digital HO Commission Changes Effective 10/1/25
description: New commission rates for Digital Homeowners policies through Amwins Access Alpha, Munich Re, and Vave effective from 10/1/25. Adjusted rates vary by region and product type.
---

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# [Digital HO Commission Changes Effective 10/1/25](https://info.amwins.com/amwins-iq-news/digital-ho-commission-changes-effective-10/1/25)

 Written by [Amwins IQ Customer Service](https://info.amwins.com/amwins-iq-news/author/amwins-iq-customer-service) | Sep 30, 2025 8:17:01 PM

**We’re updating the commission structure for Digital Homeowners (Homes/Dwellings and Condos) business written through Amwins Access Alpha, Munich Re (Great Lakes), and Vave.**

 

**Key timing details:**

- **New Business:** Updated commissions apply to any new policy bound on or after **10/1/25** (Note: This is based on the bind date, not the effective date).
- **Renewals:** The new commission applies based on when the renewal offer is processed. 
    - If your renewal offer is processed and sent before **10/1**, the old commission applies.
    - If it’s processed and sent on or after **10/1**, the new commission applies.

**Updated Commission Rates by Region:**

- **15% commission** – SC (Condo only), CT, DE, MA, MD, ME, NH, NJ, RI, VT
- **10% commission **– All wind products in Broward, Miami-Dade, and Palm Beach counties
- **12% commission** – All other states and counties, not listed above

[View full post](https://info.amwins.com/amwins-iq-news/digital-ho-commission-changes-effective-10/1/25)

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