On December 3, 2012, Homeowners Choice, Inc. (the "Company") filed with the Securities and Exchange Commission (the "Commission") a shelf registration statement on Form S-3 (Registration No. 333-185228), which was amended on December 10, 2012 and December 18, 2012 (the "Registration Statement"). The Registration Statement was supplemented by a Preliminary Prospectus Supplement, which was filed by the Company with the Commission on January 9, 2013 and relates to the offering by the Company of Senior Notes due 2020 ("Notes"). The press release issued by the Company on January 9, 2013 announcing its offering of Notes is filed as Exhibit 99.1 to this Current Report on Form 8-K.

Also attached is Exhibit 25.1 (Statement of Eligibility and Qualification of Trustee (The Bank of New York Mellon Trust Company, N.A.) on Form T-1) to the Registration Statement. Exhibit 25.1 is hereby incorporated into the Registration Statement by reference.

(d) Exhibits.

Exhibit
Number    Description

25.1      Statement of Eligibility and Qualification of Trustee (The Bank of New
          York Mellon Trust Company, N.A.) on Form T-1.

99.1      Press Release, dated January 9, 2013, announcing an offering of senior
          notes.