/blog/Florida home insurance, explained with sources.en-us/blog/florida-amendment-3-property-tax-cut-home-insurance//blog/florida-amendment-3-property-tax-cut-home-insurance/Sat, 07 Nov 2026 12:00:00 -0400The new homestead exemption cuts some property taxes starting in 2027. Here's how it touches your escrow, your coverage and possibly your premium./blog/citizens-personal-vs-condo-association-rates-2026//blog/citizens-personal-vs-condo-association-rates-2026/Thu, 05 Nov 2026 12:00:00 -0400Citizens' July 2026 rates lowered personal homeowners premiums while raising commercial-residential and condo association policies. Here's what the numbers say./blog/florida-election-2026-home-insurance-cat-fund-scorecard//blog/florida-election-2026-home-insurance-cat-fund-scorecard/Wed, 04 Nov 2026 12:00:00 -0400Governor-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./blog/florida-home-insurance-cost-by-county-2026//blog/florida-home-insurance-cost-by-county-2026/Tue, 03 Nov 2026 12:00:00 -0400OIR'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./blog/citizens-record-low-policy-count-what-it-means//blog/citizens-record-low-policy-count-what-it-means/Mon, 02 Nov 2026 12:00:00 -0400Citizens 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./blog/florida-hurricane-deductible-options-renewal-2026//blog/florida-hurricane-deductible-options-renewal-2026/Sun, 01 Nov 2026 12:00:00 -0400Florida law says which hurricane deductible options insurers must offer, how the exceptions work, and what to weigh before your renewal locks one in./blog/florida-roof-age-insurance-15-year-rule-2026//blog/florida-roof-age-insurance-15-year-rule-2026/Sat, 31 Oct 2026 12:00:00 -0400What 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./blog/citizens-flood-insurance-requirement-january-2027//blog/citizens-flood-insurance-requirement-january-2027/Fri, 30 Oct 2026 12:00:00 -0400Starting 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./blog/florida-home-insurance-nonrenewal-notice-rights-2026//blog/florida-home-insurance-nonrenewal-notice-rights-2026/Thu, 29 Oct 2026 12:00:00 -0400How 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./blog/florida-condo-ho6-insurance-rate-cuts-2026//blog/florida-condo-ho6-insurance-rate-cuts-2026/Wed, 28 Oct 2026 12:00:00 -0400Security 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./blog/my-safe-florida-home-grants-wind-mitigation-discounts//blog/my-safe-florida-home-grants-wind-mitigation-discounts/Tue, 27 Oct 2026 12:00:00 -0400Free wind inspections, up to $10,000 in hardening grants, and a new inspection form. How Florida's mitigation programs can lower your windstorm premium./blog/hurricane-isaias-insurance-claims-florida//blog/hurricane-isaias-insurance-claims-florida/Mon, 26 Oct 2026 12:00:00 -0400About 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./blog/florida-homeowners-insurance-lawsuits-claims-2026//blog/florida-homeowners-insurance-lawsuits-claims-2026/Sun, 25 Oct 2026 12:00:00 -0400OIR 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./blog/new-insurers-entering-florida-2026//blog/new-insurers-entering-florida-2026/Sat, 24 Oct 2026 12:00:00 -0400OIR 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./blog/who-is-writing-new-florida-homeowners-policies-2026//blog/who-is-writing-new-florida-homeowners-policies-2026/Fri, 23 Oct 2026 12:00:00 -0400OIR'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./blog/florida-homeowners-insurance-rate-cuts-fall-2026//blog/florida-homeowners-insurance-rate-cuts-fall-2026/Thu, 22 Oct 2026 12:00:00 -0400OIR 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./blog/citizens-takeout-offers-november-december-2026//blog/citizens-takeout-offers-november-december-2026/Wed, 21 Oct 2026 12:00:00 -0400Citizens' 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.