“Are Florida home insurance rates really decreasing, or are these just headlines?” It’s a fair question, and one we’re hearing from homeowners across Southwest Florida in Punta Gorda, Fort Myers, Cape Coral, and Naples every week. The honest answer, backed by an official announcement from Governor Ron DeSantis in January 2026: yes, they really are.

Here’s a straightforward look at what was announced, what’s actually driving the change, and what you can do to make sure those savings show up for you.

If you’re a homeowner in Florida, chances are you’ve noticed your home insurance premium increasing over the past few years. Rising insurance costs have become a major concern across the state, especially in coastal regions like Southwest Florida where hurricane and flood risks are higher.

In Southwest Florida, roof age is one of the biggest factors affecting your home insurance rates and eligibility. Learn why carriers focus on roof year, inspections, and wind mitigation, and how you can protect your coverage before renewal season hits.

Florida home insurance isn’t like coverage in the rest of the country. From percentage hurricane deductibles to roof age rules and flood gaps, small details can lead to big surprises. Learn what “properly written” coverage looks like and how to make sure your policy stands up before the next storm does.

Florida homeowners are facing rising home insurance premiums. Learn how Premium Lock™ may help add three years of predictability to your homeowners insurance renewal.