Rates: Florida Insurance

With the market shifting, your strategy should move from "survival" to "optimization." Home Insurance in Florida: What Actually Changed in 2025?

The Tides Are Turning: A 2026 Guide to Florida Insurance Rates florida insurance rates

: Citizens Property Insurance, previously the "insurer of last resort," has seen its policy count drop significantly from 1.4 million to under 780,000 as of late 2025, signaling a healthier private market capable of absorbing risk. With the market shifting, your strategy should move

: Several major private insurers have begun filing for rate decreases or zero-percent increases for 2026. Some homeowners are seeing premiums drop by as much as 11% as more private options enter the market. Some homeowners are seeing premiums drop by as

After years of double-digit hikes, 2026 has brought a long-awaited cooling period.

Florida remains one of the most expensive states for car insurance, with average annual rates for full coverage hovering around . However, there is a silver lining for 2026: