08/28/2026
Have you opened your insurance renewal lately and wondered what happened? 🤔🏡
You’re not alone.
One of the most common questions I’m hearing from homeowners and buyers across Key West and the Florida Keys is:
💬 “Why has my insurance gone up so much?”
The answer is a combination of several factors:
🔹 Higher construction and labor costs
🔹 More storm-related claims across Florida
🔹 Rising property values
🔹 Hurricane and wind exposure
🔹 Flood zones and elevation requirements
🔹 Roof age and construction type
What many people don’t realize is that insurance can impact affordability just as much as mortgage interest rates. 📈
When buying or owning a home in the Keys, it’s important to look beyond the purchase price and consider the full cost of ownership, including:
✔️ Insurance
✔️ Property taxes
✔️ HOA fees
✔️ Maintenance and upkeep
In this month’s video, I break down what’s driving these insurance increases and what buyers and sellers should know before making a move in today’s market. 🎥🌴
Have questions about insurance costs, buying, or selling in the Florida Keys? Send me a message—I’m always happy to help.
