Florida Homeowners Insurance Quotes —
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16 new carriers entered Florida in 2026. If you haven't compared rates since 2024, you're likely overpaying. Our licensed agents compare multiple carriers and find your best rate — no obligation.
Mon–Fri 9am–9pm · Sat 12pm–5pm EST · Licensed Florida Agents
What Changed in Florida Insurance in 2026
Most homeowners don't know about these changes — and they're leaving money on the table.
8.7% Average Rate Decrease for Citizens Policyholders
Florida's 2022–2023 tort reforms are finally showing up in premiums. Citizens Insurance policyholders saw an average 8.7% decrease in 2026. If you're still paying 2024 rates, call to compare.
16 New Private Carriers Entered the Market
For the first time in years, Florida homeowners have real options. New carriers like Slide Insurance, Demotech-rated companies, and specialty coastal insurers are writing policies at competitive rates.
Wind Mitigation Form Overhauled
Florida updated the OIR-B1-1802 Wind Mitigation form in 2026. If your inspection is from before 2024, a new inspection could unlock 10–45% premium credits that your current insurer isn't applying.
Citizens Depopulation Accelerating
Citizens is actively moving policyholders to private carriers. If you received a "take-out" offer, you have 30 days to accept or reject. Don't let it expire without comparing rates first.
Find Your Coverage Type
County-specific rates, contractor liability, high-risk filings, and more.
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Licensed Florida agents compare up to 16 carriers. 2-minute call, no obligation.
Mon–Fri 9am–9pm · Sat 12pm–5pm EST