Want to keep up with the homeowners insurance crisis in Florida, with regular updates and important news?
There’s a newsletter for that! It’s called Florida Housing Weekly.
Our newsletter delivers the information you need to navigate Florida’s tough insurance market—along with regular housing market updates, home price trends, and more.
Florida Home Insurance News & Updates
Are you a Florida homeowner who experiences sticker shock every time your home insurance renewal arrives?
Are you confused by the constant changes, new rules, and lack of options?
You’re not alone. Home insurance in Florida has become increasingly expensive, confusing, and hard to find, for the reasons listed below.
Florida Housing Weekly helps you keep up with the ever-changing insurance situation. We deliver the latest Florida home insurance news and updates directly to your inbox.
But we don’t stop there. We also cover local real estate market trends, home price changes, and other essential topics, making this newsletter a must-read for every Florida homeowner.
The Problem: Growing Risk and Fewer Options
Finding affordable homeowners insurance in Florida has become a major headache. You probably know that part already. But why?
The reason for this is a perfect storm of factors, including these:
- Increased Storm Risk: More frequent and powerful hurricanes have led to massive claims, costing insurance companies billions.
- Insurers Leaving the State: Many national insurance carriers have decided the risk is too high, pulling out of Florida and leaving homeowners with far fewer choices.
- Higher Costs for Insurers: The companies that remain are facing higher costs themselves, and they pass that along to homeowners with higher premiums.
- Stricter Rules: Getting coverage now often requires newer roofs, impact windows, and passing strict inspections, creating new hurdles for homeowners.
The Solution: Staying Informed, Exploring Options
Our newsletter delivers reliable Florida home insurance news to keep you informed on these trends—and to help you understand your options.
We provide important homeowners insurance updates that often get buried in industry reports or academic publications. We deliver clear and actionable insights that include:
- Updates on new laws and government programs affecting your policy.
- News on which insurance companies are entering or leaving Florida.
- Practical tips for lowering your premium, like wind mitigation credits.
- Alerts about new requirements that could affect your coverage.
- Simple explanations of what policy changes actually mean for your wallet.
Sign up to receive regular updates on the Florida home insurance crisis.
Housing Market News for Homeowners
In addition to delivering home insurance news and updates, our newsletter offers a 360-degree view of the Florida real estate landscape.
Beyond insurance, we also cover:
- Local Market Trends: Is it a buyer’s or seller’s market in your area?
- Home Price Analysis: Are home values going up or down in your neighborhood?
- Mortgage Rates: Know where rates are heading and how it impacts your finances.
You get all of this expert coverage in one easy-to-read weekly email.
Benefits of Subscribing
For just $7 per month—less than the cost of two cups of coffee—you gain invaluable peace of mind and a real financial edge.
- Save Time: Stop spending hours searching online for confusing information. We deliver everything you need to know in one place.
- Smarter Decisions: Armed with the latest Florida home insurance news and updates, you can better negotiate your policy, budget for changes, and protect your #1 asset.
- Stay Ahead: Be the first to know about critical changes in the insurance and real estate markets, so you’re never caught by surprise.
- Gain Confidence: Understand the forces shaping the market so you can navigate Florida homeownership challenges with confidence, not fear.
- Unbeatable Value: Get comprehensive real estate market analysis and crucial insurance reporting for a tiny monthly investment.
Big Stories We’re Covering in 2025
As a subscriber, you’ll receive regular updates on a variety of insurance-related topics. Here are some of the biggest stories we’re covering in 2025.
Impact of Fraud, Lawsuits, Natural Disasters
Insurers point to several major pressures: increased frequency/severity of storms, rising costs of materials and labor, large numbers of lawsuits, and fraud. These factors combine to make many insurers limit exposure, increase prices, or stop writing new policies.
Premium Increases for Homeowners
Even though some rates have been reduced or held steady, most Florida homeowners continue to see big increases. In Central Florida, base rates are up roughly 40% since 2022.
State Arbitration for Insurance Lawsuits
Citizens Property Insurance (Florida’s state-backed insurer of last resort) has been sending many policyholder lawsuits into an arbitration system that favors insurers. Critics say this reduces a homeowner’s ability to challenge denials or disputes fairly.
Some Premium Relief in South Florida
Regulators have approved rate cuts for many Citizens policyholders in Miami-Dade, Broward, and Palm Beach. In those counties, some customers saw decreases between about 4.5% and 6.3%. This offers much-needed relief for a market that has mostly seen steep increases.
Depopulation of Citizens in Tampa Bay
Citizens Property Insurance dropped nearly 90,000 policies in the Tampa Bay area over the last year. The goal is to reduce exposure for Citizens by shifting policies to private insurers.
Funding for Mitigation Efforts
Florida revived the My Safe Florida Home program with $280 million in new budget funding for 2025-2026. This program helps homeowners make structural upgrades like reinforced windows and stronger roofs. It can also reduce insurance premiums.
Recent Legislative Reforms
New laws have been passed with reforms designed to reduce fraud, litigation, and risk for insurers. These include new rules for nonrenewal and cancellation, new mitigation requirements for condos, and changes to how flood disclosures work.
Bottom line: We track all of these developments and provide Florida home insurance news and updates to keep our subscribers well-informed.