“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.