04/27/2026
Florida homeowners finally have some insurance news worth paying attention to.
For the past few years, home insurance in Florida has been one of the biggest concerns for buyers, sellers, and homeowners. Premiums went up, options became more limited, and many people renewed their policies without really knowing whether they had better choices.
Now, according to recent market updates, there are signs that the market may be stabilizing.
A few important points:
Citizens approved an average decrease of 8.7% in South Florida for April 2026, with some of the largest decreases reported in:
Broward County: down 14.1% for approximately 27,000 homes
Miami-Dade County: down 14.0% for approximately 42,000 homes
Palm Beach County: down 11.9% for approximately 26,000 homes
Monroe County: down 11.3% for more than 1,000 homes
In addition, more insurance companies have entered the Florida market since the reform, and some carriers are now accepting roofs that are 20–25 years old. Just a couple of years ago, even a 12-year-old roof could create a major issue for coverage.
This does not mean every homeowner will automatically pay less.
But it does mean that if you have not reviewed your home insurance policy in the last two years, make sure your current policy still makes sense.
The market has changed.
Your policy may need a second look.
Adi Gal
Real Estate Broker | Mortgage Loan Originator
Sell It Realty LLC
305-409-1305
