-----BEGIN PRIVACY-ENHANCED MESSAGE-----
Proc-Type: 2001,MIC-CLEAR
Originator-Name: webmaster@www.sec.gov
Originator-Key-Asymmetric:
 MFgwCgYEVQgBAQICAf8DSgAwRwJAW2sNKK9AVtBzYZmr6aGjlWyK3XmZv3dTINen
 TWSM7vrzLADbmYQaionwg5sDW3P6oaM5D3tdezXMm7z1T+B+twIDAQAB
MIC-Info: RSA-MD5,RSA,
 A1JMFIzJA6gspNEjhCm80mIJpQgT9k5aetHng/mw6NmdzHpTEdkmqDQ9eYEk1rQI
 5gEAtqunleI6+6QTGL1pvQ==

<SEC-DOCUMENT>0001209191-09-043525.txt : 20090908
<SEC-HEADER>0001209191-09-043525.hdr.sgml : 20090907
<ACCEPTANCE-DATETIME>20090908163743
ACCESSION NUMBER:		0001209191-09-043525
CONFORMED SUBMISSION TYPE:	4
PUBLIC DOCUMENT COUNT:		1
CONFORMED PERIOD OF REPORT:	20090904
FILED AS OF DATE:		20090908
DATE AS OF CHANGE:		20090908

REPORTING-OWNER:	

	OWNER DATA:	
		COMPANY CONFORMED NAME:			Patel Paresh
		CENTRAL INDEX KEY:			0001439934

	FILING VALUES:
		FORM TYPE:		4
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-34126
		FILM NUMBER:		091058404

	MAIL ADDRESS:	
		STREET 1:		1520 GULF BLVD., APT. 1706
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33767

ISSUER:		

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Homeowners Choice, Inc.
		CENTRAL INDEX KEY:			0001400810
		STANDARD INDUSTRIAL CLASSIFICATION:	FIRE, MARINE & CASUALTY INSURANCE [6331]
		IRS NUMBER:				000000000
		STATE OF INCORPORATION:			FL
		FISCAL YEAR END:			1231

	BUSINESS ADDRESS:	
		STREET 1:		2340 DREW STREET
		STREET 2:		SUITE 200
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33765
		BUSINESS PHONE:		727-213-3600

	MAIL ADDRESS:	
		STREET 1:		2340 DREW STREET
		STREET 2:		SUITE 200
		CITY:			CLEARWATER
		STATE:			FL
		ZIP:			33765
</SEC-HEADER>
<DOCUMENT>
<TYPE>4
<SEQUENCE>1
<FILENAME>doc4.xml
<DESCRIPTION>FORM 4 SUBMISSION
<TEXT>
<XML>
<?xml version="1.0"?>
<ownershipDocument>

    <schemaVersion>X0303</schemaVersion>

    <documentType>4</documentType>

    <periodOfReport>2009-09-04</periodOfReport>

    <notSubjectToSection16>0</notSubjectToSection16>

    <issuer>
        <issuerCik>0001400810</issuerCik>
        <issuerName>Homeowners Choice, Inc.</issuerName>
        <issuerTradingSymbol>HCII</issuerTradingSymbol>
    </issuer>

    <reportingOwner>
        <reportingOwnerId>
            <rptOwnerCik>0001439934</rptOwnerCik>
            <rptOwnerName>Patel Paresh</rptOwnerName>
        </reportingOwnerId>
        <reportingOwnerAddress>
            <rptOwnerStreet1>2340 DREW STREET</rptOwnerStreet1>
            <rptOwnerStreet2>SUITE 200</rptOwnerStreet2>
            <rptOwnerCity>CLEARWATER</rptOwnerCity>
            <rptOwnerState>FL</rptOwnerState>
            <rptOwnerZipCode>33765</rptOwnerZipCode>
            <rptOwnerStateDescription></rptOwnerStateDescription>
        </reportingOwnerAddress>
        <reportingOwnerRelationship>
            <isDirector>1</isDirector>
            <isOfficer>1</isOfficer>
            <isTenPercentOwner>0</isTenPercentOwner>
            <isOther>0</isOther>
            <officerTitle>Executive Chairman</officerTitle>
        </reportingOwnerRelationship>
    </reportingOwner>

    <nonDerivativeTable>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>284000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                    <footnoteId id="F1"/>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
        <nonDerivativeHolding>
            <securityTitle>
                <value>Common stock</value>
            </securityTitle>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>11000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </nonDerivativeHolding>
    </nonDerivativeTable>

    <derivativeTable>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F2"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F2"/>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2000</value>
                    <footnoteId id="F2"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>4000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Option (Right to Buy)</value>
                <footnoteId id="F3"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>2.50</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F4"/>
            </exerciseDate>
            <expirationDate>
                <value>2017-09-05</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>60000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>60000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Option (Right to Buy)</value>
                <footnoteId id="F3"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>2.50</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F5"/>
            </exerciseDate>
            <expirationDate>
                <value>2017-05-31</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>120000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>120000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Option (Right to Buy)</value>
                <footnoteId id="F3"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>2.50</value>
            </conversionOrExercisePrice>
            <exerciseDate>
                <footnoteId id="F6"/>
            </exerciseDate>
            <expirationDate>
                <value>2017-05-31</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>30000</value>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>30000</value>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F8"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2008-11-14</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1400</value>
                    <footnoteId id="F8"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2800</value>
                    <footnoteId id="F8"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F10"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2008-11-18</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1900</value>
                    <footnoteId id="F10"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>3800</value>
                    <footnoteId id="F10"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F11"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2008-11-19</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2050</value>
                    <footnoteId id="F11"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>4100</value>
                    <footnoteId id="F11"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F12"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2008-11-20</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F12"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F12"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F13"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2008-11-25</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>500</value>
                    <footnoteId id="F13"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1000</value>
                    <footnoteId id="F13"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F14"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2008-12-09</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>450</value>
                    <footnoteId id="F14"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>900</value>
                    <footnoteId id="F14"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>D</value>
                </directOrIndirectOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F15"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-02-02</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>180</value>
                    <footnoteId id="F15"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>360</value>
                    <footnoteId id="F15"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F16"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-02-06</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>750</value>
                    <footnoteId id="F16"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1500</value>
                    <footnoteId id="F16"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F17"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-02-04</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>401</value>
                    <footnoteId id="F17"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>802</value>
                    <footnoteId id="F17"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F18"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-03-25</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>750</value>
                    <footnoteId id="F18"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1500</value>
                    <footnoteId id="F18"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F19"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-03-30</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>500</value>
                    <footnoteId id="F19"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>1000</value>
                    <footnoteId id="F19"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F20"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-04-01</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2200</value>
                    <footnoteId id="F20"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>4400</value>
                    <footnoteId id="F20"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F21"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-04-06</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2000</value>
                    <footnoteId id="F21"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>4000</value>
                    <footnoteId id="F21"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F22"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-05-06</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F22"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F22"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F23"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-05-11</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F23"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F23"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F24"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-05-21</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F24"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F24"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F25"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-05-28</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1450</value>
                    <footnoteId id="F25"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2900</value>
                    <footnoteId id="F25"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F26"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-06-05</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1300</value>
                    <footnoteId id="F26"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2600</value>
                    <footnoteId id="F26"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F27"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-07-28</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>1025</value>
                    <footnoteId id="F27"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>2050</value>
                    <footnoteId id="F27"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F28"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-08-14</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F28"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F28"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F29"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-08-17</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F29"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F29"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (RIght to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F30"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-08-27</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F30"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F30"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeHolding>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F31"/>
            </conversionOrExercisePrice>
            <exerciseDate>
                <value>2009-09-01</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F31"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F31"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeHolding>
        <derivativeTransaction>
            <securityTitle>
                <value>Stock Warrant (Right to Buy)</value>
                <footnoteId id="F7"/>
            </securityTitle>
            <conversionOrExercisePrice>
                <value>9.10</value>
                <footnoteId id="F32"/>
            </conversionOrExercisePrice>
            <transactionDate>
                <value>2009-09-04</value>
            </transactionDate>
            <deemedExecutionDate></deemedExecutionDate>
            <transactionCoding>
                <transactionFormType>4</transactionFormType>
                <transactionCode>P</transactionCode>
                <equitySwapInvolved>0</equitySwapInvolved>
            </transactionCoding>
            <transactionTimeliness>
                <value></value>
            </transactionTimeliness>
            <transactionAmounts>
                <transactionShares>
                    <value>5000</value>
                </transactionShares>
                <transactionPricePerShare>
                    <value>0.70</value>
                </transactionPricePerShare>
                <transactionAcquiredDisposedCode>
                    <value>A</value>
                </transactionAcquiredDisposedCode>
            </transactionAmounts>
            <exerciseDate>
                <value>2009-09-04</value>
            </exerciseDate>
            <expirationDate>
                <value>2013-07-30</value>
            </expirationDate>
            <underlyingSecurity>
                <underlyingSecurityTitle>
                    <value>Common</value>
                </underlyingSecurityTitle>
                <underlyingSecurityShares>
                    <value>2500</value>
                    <footnoteId id="F32"/>
                </underlyingSecurityShares>
            </underlyingSecurity>
            <postTransactionAmounts>
                <sharesOwnedFollowingTransaction>
                    <value>5000</value>
                    <footnoteId id="F32"/>
                </sharesOwnedFollowingTransaction>
            </postTransactionAmounts>
            <ownershipNature>
                <directOrIndirectOwnership>
                    <value>I</value>
                    <footnoteId id="F9"/>
                </directOrIndirectOwnership>
                <natureOfOwnership>
                    <value>IRA</value>
                    <footnoteId id="F9"/>
                </natureOfOwnership>
            </ownershipNature>
        </derivativeTransaction>
    </derivativeTable>

    <footnotes>
        <footnote id="F1">Shares are held jointly with spouse.</footnote>
        <footnote id="F2">In connection with the Homeowners Choice, Inc. initial public offering (&quot;IPO&quot;), 4,000 units were purchased on 7/25/08 at a price of $7.00 per unit, with each unit consisting of one share of common stock and one warrant. Two warrants may be exercised to acquire one share of common stock at an exercise price equal to $9.10 per share.  The warrants may be exercised any time after the closing of the IPO up to five years after the July 30, 2008 IPO closing date.</footnote>
        <footnote id="F3">The options were granted pursuant to the Homeowners Choice, Inc. 2007 Stock Option and Incentive Plan.</footnote>
        <footnote id="F4">These options vest and become immediately exercisable upon the fair market value of the Company's Common Stock reaching $7.50 per share.</footnote>
        <footnote id="F5">Commencing on June 1, 2007 and continuing on the first day of each calendar month thereafter through and including January 1, 2010, the amount of 5,000 options will vest and become exercisable on each such monthly vesting date.</footnote>
        <footnote id="F6">Commencing on May 1, 2008 and continuing on the same day of each calendar year thereafter through and including May 1, 2010, the amount of 10,000 options will vest and become exercisable on each such annual vesting date.</footnote>
        <footnote id="F7">Acquired pursuant to a Section 10b5-1 purchase plan.</footnote>
        <footnote id="F8">2,800 warrants were purchased on 11/14/08 at a price of $0.3382 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F9">Warrants are held in the reporting person's IRA.</footnote>
        <footnote id="F10">3,800 warrants were purchased on 11/18/08 at a price of $0.45 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F11">4,100 warrants were purchased on 11/19/08 at a price of $0.35 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F12">5,000 warrants were purchased on 11/20/08 at a price of $0.38 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F13">1,000 warrants were purchased on 11/25/08 at a price of $0.40 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F14">900 warrants were purchased on 12/09/08 at a price of $0.50 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F15">360 warrants were purchased on 2/2/09 at a price of $0.47 per warrant.  Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F16">1,500 warrants were purchased on 2/06/09 at a price of $0.47 per warrant.  Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F17">802 warrants were purchased on 2/4/09 at a price of $0.47 per warrant.  Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F18">1,500 warrants were purchased on 3/25/09 at a price of $0.42 per warrant.  Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F19">1,000 warrants were purchased on 3/30/09 at a price of $0.49 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F20">4,400 warrants were purchased on 4/01/09 at a price of $0.475 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F21">4,000 warrants were purchased on 4/06/09 at a price of $0.45 per warrant.  Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F22">5,000 warrants were purchased on 5/06/09 at a price of $0.474 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F23">5,000 warrants were purchased on 05/11/09 at a price of $0.504 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F24">5,000 warrants were purchased on 05/21/09 at a price of $0.50 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F25">2,900 warrants were purchased on 05/28/09 at a price of $0.50 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F26">2,600 warrants were purchased on 06/05/09 at a price of $0.5077 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F27">2,050 warrants were purchased on 07/28/09 at a price of $0.5834 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F28">5,000 warrants were purchased on 08/14/09 at a price of $0.6971 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F29">5,000 warrants were purchased on 08/17/09 at a price of $0.69 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F30">5,000 warrants were purchased on 08/27/09 at a price of $0.70 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F31">5,000 warrants were purchased on 09/01/09 at a price of $0.60 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
        <footnote id="F32">5,000 warrants were purchased on 09/04/09 at a price of $0.70 per warrant. Two warrants may be exercised to acquire one share of the Company's common stock at an exercise price equal to $9.10 per share.</footnote>
    </footnotes>

    <remarks></remarks>

    <ownerSignature>
        <signatureName>/s/ Cathy J. Welch as Attorney-in-fact for Paresh Patel</signatureName>
        <signatureDate>2009-09-08</signatureDate>
    </ownerSignature>
</ownershipDocument>
</XML>
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
-----END PRIVACY-ENHANCED MESSAGE-----
