We have been serving the insurance needs of Floridians for over 50 years and are thankful for our loyal policyholders. Every year, more than 92% of our policyholders accept our renewal offer, even when their rates increase. Transparency matters, and we want you to feel confident knowing why rates change and how your premium is determined.

Even when you haven’t had a claim or experienced a recent hurricane, several other factors can influence the cost of home insurance in Florida. Some of these factors relate to broad economic trends, while others relate specifically to your home. Here’s a clear, easy-to-understand breakdown of what drives insurance rates—and why these changes are necessary to ensure your home stays protected.

We have been serving the insurance needs of Floridians for over 50 years and are thankful for our loyal policyholders. Every year, more than 92% of our policyholders accept our renewal offer, even when their rates increase. Transparency matters, and we want you to feel confident knowing why rates change and how your premium is determined.

Even when you haven’t had a claim or experienced a recent hurricane, several other factors can influence the cost of home insurance in Florida. Some of these factors relate to broad economic trends, while others relate specifically to your home. Here’s a clear, easy-to-understand breakdown of what drives insurance rates—and why these changes are necessary to ensure your home stays protected.