The Bottom Line
Florida's insurance market has reached a turning point. For the first time in nearly a decade, major carriers are filing for double-digit rate decreases. If you haven't shopped your policy in the last 6 months, you are likely overpaying.
Where the Biggest Cuts are Happening
The 2026 rate filings show that the most significant relief is coming to the areas that were hit hardest by the crisis. Broward County is leading the way, but the trend is statewide.
| County | Avg. 2026 Rate Change | Market Outlook |
|---|---|---|
| Broward | -14.1% | Strong Recovery |
| Miami-Dade | -9.5% | Improving |
| Palm Beach | -11.2% | Very Positive |
| Tampa / Hillsboro | -6.8% | Stable |
| Jacksonville / Duval | -4.2% | Competitive |
3 Steps to Capture the 2026 Savings
Don't Autorenew
Carriers often apply new lower rates to new business before they apply them to renewals. Shopping as a "new customer" can often save you an additional 5-10%.
Update Your Wind Mitigation
If your inspection is more than 5 years old, it's expired. A fresh inspection can unlock the new, deeper credits that carriers are offering in 2026.
Check the New Carriers
17 new companies have entered Florida in the last 24 months. These companies are "hungry" for business and often offer the most aggressive rate drops to build their customer base.
Compare 2026 Rates Now
Compare current Florida home insurance rates for your property. Call now for free information.
Call (435) 612-1009