Florida Home Insurance Outlook
February 5, 2026
What Florida Property Owners Should Know as We Head Into 2026
Owning a home or condo in Florida offers an exceptional lifestyle, but it also comes with insurance considerations that are unlike most other states. As we move into 2026, the homeowners insurance market continues to adjust. While some stability is returning, pricing, coverage terms, and carrier appetite remain highly dependent on location, construction, and individual risk characteristics.
What Owners Are Experiencing Today
Many home and condo owners continue to see higher premiums, hurricane deductibles, or more restrictive terms. At the same time, legal reforms and improving market confidence have brought additional carriers back into Florida, creating more options for select risks.
Homes that are well maintained, recently updated, and properly documented are often positioned more favorably at renewal.
“In Southwest Florida, we are seeing insurers reward homeowners who invest in their properties,” said Adri Wutkowski, Agent and Vice President in Robertson Ryan’s Bokeelia office. “Updated roofs, wind mitigation features, and proactive maintenance can make a real difference in both coverage availability and long-term cost.
“At Robertson Ryan, we believe insurance works best when it is built on relationships, not transactions,” said Allan Degner, Senior Vice President and Florida resident based in the Palm Beach area. “For Florida homeowners, that means ongoing conversations, understanding how risk changes over time, and partnering with a trusted insurance advisor who is thinking ahead, not just reacting at renewal.”
Why Reviewing Your Policy Matters
Florida homeowners insurance requires regular review. Coverage details that deserve special attention include wind and hurricane deductibles, flood coverage coordination, ordinance or law limits for rebuilding, and replacement cost values tied to current construction costs.
How Robertson Ryan Insurance Helps Florida Homeowners
At Robertson Ryan Insurance, we take a consultative approach to protecting your home. From primary residences to high-value and seasonal properties, our team helps homeowners navigate Florida’s evolving insurance market with clarity and confidence. We handle the full picture, from auto, flood and jewelry coverage to out-of-state homes, umbrella protection, and unique needs like special assessment coverage.
Contact Us for an insurance review today.