UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the
Securities Exchange Act of 1934

Date of report (Date of earliest event reported): ~~September~~February 1912, ~~2014~~2015

HOMEOWNERS OF AMERICA HOLDING CORPORATION

(Exact name of Company as specified in Charter)

Delaware (State or other jurisdiction of incorporation or organization)	021-83940 (Commission File No.)	57-1219329 (IRS Employee Identification No.)

1333 Corporate Drive

Suite 325

Irving, TX 75038

(Address of Principal Executive Offices)

972-607-4241

(Issuer Telephone number)

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

~~q Written~~qWritten communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

~~q Soliciting~~qSoliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR240.14a-12)

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

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

Item 51.0701 ~~Submission~~Entry ofinto ~~Matters to~~ a ~~Vote~~Material ofDefinitive ~~Security Holders~~Agreement.

(a) On ~~September~~February 1912, ~~2014~~2015, Homeowners of America ~~Holding~~Insurance ~~Corporation~~Company (~~the "Company"~~HAIC) ~~held~~entered ~~its~~into ~~annual~~a ~~meeting~~21 month quota share reinsurance program with a panel of ~~stockholders~~third ~~(the~~party ~~"Annual~~reinsurers, ~~Meeting")~~covering its property insurance business. AsThis ofprogram ~~the~~replaces ~~record~~HAIC's ~~date~~program ofwhich ~~September~~expires 5,on ~~2014~~March 31, ~~there~~2015 ~~were~~and awill ~~total~~provide ofcoverage 16through December 31,~~166,852~~ ~~shares~~2016. Under this program HAIC will cede 90% of ~~common~~the ~~stock~~property ~~issued~~risk and ~~outstanding~~approximately ~~and~~35% ~~entitled~~of tothe ~~vote~~casualty atrisk ~~the~~associated ~~Annual~~with ~~Meeting~~residential property insurance. AtTreaties ~~the~~covering ~~Annual~~approximately ~~Meeting,~~50% ~~10,727,661~~of ~~shares~~the ofprogram ~~common~~contain ~~stock~~provisions ~~were~~for ~~present~~HAIC to share in ~~person~~profits orbased byon ~~proxy,~~loss ~~representing~~experience aattained ~~quorum~~during the term of the treaty.

~~The~~In ~~final~~addition, ~~results~~on February 17, 2015, HAIC completed the placement of ~~votes~~an excess of loss catastrophe reinsurance program, effective April 1, 2015, with ~~respect~~a topanel of third party reinsurers. These treaties replace HAIC's excess of loss reinsurance program expiring on March 31, 2015 and provides coverage on HAIC's retained risk on its property insurance business. Approximately 60% of the ~~proposals~~program ~~submitted~~will be for ~~shareholder~~a ~~vote~~period atof 24 months, while the ~~Annual~~remaining ~~Meeting~~40% ~~are~~will ~~set~~have ~~forth~~a ~~below~~term of 12 months. The treaties provide coverage up to $175,000,000, in excess of $5,000,000, for losses arising from a single event. HAIC has utilized forecasting models to ensure that these treaties will provide coverage in excess of its estimated probable maximum loss associated with a single one-in-100 year storm event. HAIC has also purchased reinstatement premium coverage for the term of these treaties, which reimburses it for the cost to reinstate the coverage after an initial event.

~~Proposal~~The 1coverage –of ~~Election~~the quota share and excess of ~~Directors~~loss reinsurance programs, when taken together, leave HAIC with a retention of $500,000 per event. Although the terms of individual treaties may vary, management believes that the overall terms of the 2015 – 2016 program are more favorable than the 2014 – 2015 program.

~~Shareholders~~In ~~elected~~the normal course of business, HAIC seeks to limit its exposure to loss from large risks and catastrophic events, thereby protecting stockholders equity and its capital and surplus. Without these reinsurance agreements, HAIC would be more exposed to catastrophic loss and therefore increasing the ~~following~~likelihood ~~nominees~~that those losses could exceed its available capital and surplus. HAIC remains responsible for insured losses that are in excess of coverage provided by these reinsurance programs. HAIC also remains responsible for insured losses, notwithstanding the failure of any reinsurer to make payments called for under these treaties. To minimize this risk, third party reinsurers on these programs are rated A- or better by AM Best and BBB or better by Standard & Poors.

Name of Director	For	Abstain
Spencer W. Tucker	10,727,661	-
Frederick S. Hammer	10,352,673	374,988
Brett G. Baris	10,346,423	381,238
James F. Leary	10,727,661	-
Richard L. Viton	10,346,423	381,238
Andrew S. Lerner	10,346,423	381,238

Proposal 2 – Ratification of the Appointment of the Company's Independent Registered Public Accounting Firm

Shareholders ratified the appointment of Weaver and Tidwell, L.L.P. as the Company's independent public accounting firm for the fiscal year ending December 31, 2014.

For		Against		Abstain
10,727,661		-		-

Proposal 3 – Ratification of the Appointment of the Company's subsidiary Homeowners of America Insurance Company's independent actuary.

Shareholders ratified the appointment of Gregory S. Wilson, F.C.A.S., M.A.A.A. as the independent actuary for the Company's subsidiary Homeowners of America Insurance Company for the fiscal year ending December 31, 2014.

For		Against		Abstain
10,727,661		-		-

Proposal 4 – Ratification of the Appointment of the Company's independent valuation company.

Shareholders ratified the appointment of ValueScope, Inc. as the Company's independent valuation company for the fiscal year ending December 31, 2014.

For		Against		Abstain
10,727,661		-		-

Proposal 5 – Approve the Company's 2013 Equity Compensation Plan

Shareholders approved the Company's 2013 Equity Compensation Plan.

For		Against		Abstain
10,569,138		-		158,523

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Company has duly caused this Current Report on Form 8-K to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: ~~September~~February 2219, ~~2014~~2015

HOMEOWNERS OF AMERICA HOLDING ~~CORPORATION~~COMPANY, ~~By: /s/ Spencer Tucker Name: Spencer Tucker Title: President and Chief Executive Officer~~INC.

By: /s/ Spencer Tucker

Name: Spencer Tucker
Title: President and Chief Executive Officer

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