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Florida homeowners see property insurance costs fall after years of increases

September 15, 2026

Florida homeowners are seeing relief from rising property insurance costs, with some saving over $1,000 annually. Average premiums fell in 51 of 67 counties in early 2026 due to legislative reforms reducing litigation and fraud. Insurance lawsuits have halved since 2020, and about 20 new insurers entered the market since 2023, increasing competition. Early-year shopping offers more options, but capacity limits may apply later.

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