Is Florida Insurance Finally Getting Better? Yes, the numbers suggest that it is. But there's an important distinction between saying the market is improving and saying the problem is solved. We're now seeing: More private insurers. More competition. More insurance capacity. Lower reinsurance costs. More rate filings for reductions or no increase. A dramatically smaller Citizens.

If you’re considering buying in Florida, especially in coastal or condo markets, understanding the homeowners insurance changes — and how they impact affordability and resale — is just as important as the location or purchase price.