FL Insurance WatchThe FL Insurance Watch blog
Short, sourced explainers on what’s moving in Florida home insurance, built on the public data in our tracker. RSS feed
Florida Amendment 3 Passed: What It Means for Your Home Insurance
The new homestead exemption cuts some property taxes starting in 2027. Here's how it touches your escrow, your coverage and possibly your premium.
legislationproperty taxesescrowCitizens Cut Homeowners Rates. Condo Associations Got Increases.
Citizens' July 2026 rates lowered personal homeowners premiums while raising commercial-residential and condo association policies. Here's what the numbers say.
Citizenscondo associationsrate changesWhat Florida's 2026 Election Could Mean for Home Insurance
Governor-elect Byron Donalds has pledged an insurer scorecard and an end to the Cat Fund's cash build-up factor. Here's what those ideas are and what's unchanged.
legislationCat FundhomeownersFlorida Home Insurance Cost by County: What OIR's 2026 Data Shows
OIR's latest county averages run from $2,105 in Sumter to $7,863 in Monroe. Here's how to read them and where Tampa Bay counties land.
premiumsmarket datahomeownersCitizens Hits a Record Low: What 216,577 Policies Means for You
Citizens Property Insurance shrank to 216,577 policies by Oct. 23, 2026. Here's what the record low means if you're still with Citizens or shopping.
Citizensdepopulationmarket dataFlorida Hurricane Deductibles: Choosing 2%, 5% or 10% at Renewal
Florida law says which hurricane deductible options insurers must offer, how the exceptions work, and what to weigh before your renewal locks one in.
deductibleshurricanesrenewalsFlorida Roof Age and Home Insurance: The 15-Year Rule in 2026
What Florida law says about older roofs, Citizens' roof limits, why your insurer's roof age may be wrong, and what to check before your renewal.
roofsinspectionsnonrenewalsCitizens Flood Insurance Rule Hits Every Home Policy Jan. 1, 2027
Starting with renewals on or after Jan. 1, 2027, most Citizens home policies with wind coverage need flood insurance. Who's affected, what counts and what to check now.
Citizensflood insuranceNFIPGot a Florida Home Insurance Nonrenewal Notice? What the Law and Data Say
How many Florida homeowners policies were nonrenewed in July 2026, which insurers sent the most, the 120-day notice rule, roof-age limits and what to check.
nonrenewalshomeownersroof ageFlorida Condo Insurance (HO-6) in 2026: Rate Cuts and Who Writes It
Security First just trimmed condo unit-owner rates. Who writes the most HO-6 policies in Florida, what your policy covers, and what to check at renewal.
condo insuranceHO-6rate changesMy Safe Florida Home Grants and Wind Mitigation Discounts in 2026
Free wind inspections, up to $10,000 in hardening grants, and a new inspection form. How Florida's mitigation programs can lower your windstorm premium.
wind mitigationMy Safe Florida HomediscountsHurricane Isaias Insurance Claims: What Florida Homeowners Should Know
About 55,000 Isaias claims and $582 million in insured losses so far. Here's what the early OIR data shows and how deductibles and deadlines work.
hurricanesclaimsdeductiblesFlorida Home Insurance Lawsuits Are Falling: What the 2026 Data Shows
OIR says Florida's share of U.S. homeowners lawsuits fell from 79% in 2020 to 41% in 2025. Here's what the data shows and what it means when you file a claim.
claimslawsuitsmarket dataNew Insurers Entering Florida in 2026: The List So Far
OIR has authorized 13 new property and casualty insurers and reciprocals in Florida this year. Here's who they are, which ones say they'll write homes, and what to check.
new insurershomeownersmarket dataWho's Writing New Florida Homeowners Policies? July 2026 Data
OIR's latest monthly data shows which insurers wrote the most new owner-occupied homeowners policies in July 2026, as Citizens' president tells homeowners to shop.
whos-writinghomeownersmarket dataFlorida Homeowners Insurance Rate Cuts This Fall: Who's Lowering Rates
OIR approved four homeowners rate decreases in September, more requests are pending, and Heritage says it filed another cut. Here's who and what to check at renewal.
rate changeshomeownersrenewalsCitizens Takeout Offers: What the November and December 2026 Rounds Mean for Florida Homeowners
Citizens' October 20 takeout round just happened, and two more are scheduled for November 17 and December 15. Here are the deadlines, the approved companies and what to check before you decide.
CitizenstakeoutsdepopulationGet the weekly rate-moves email
Free, short and sourced: approved rate changes, Citizens takeouts, new insurers and who’s writing.