Florida Homeowners Brace for Another Year Without Insurance Relief
As Florida’s legislative session reaches its midpoint, one message has grown impossible to ignore: homeowners should not expect any new insurance relief this year. Despite widespread frustration over soaring premiums, lawmakers appear firmly set on avoiding any new insurance reform for 2026.
A Growing Concern for Homeowners
For Floridians across the state, this lack of legislative action is more than a political footnote—it’s a financial turning point. Broward County resident Lisa Riggi shared the painful reality many families are living with.
“We’re looking at moving… it’s not affordable for us to stay here anymore,” Riggi told WPTV.
Stories like hers continue fueling debates over whether earlier reforms were enough to stabilize Florida’s increasingly fragile insurance market.
Republican Leaders Say the Market Is Improving
Senate President Ben Albritton maintains that lawmakers have already pushed through significant insurance reforms in recent years, especially targeting litigation and lawsuit abuse. Republican leaders argue these changes are finally beginning to settle into the system—and that the market simply needs time to correct itself.
Industry insiders share a cautiously optimistic outlook. Windward Risk Managers’ Stacey Giulianti even suggests that rate decreases could be on the horizon—if economic conditions stabilize.
“If inflation stays solid… you’re going to see rates come down again,” Giulianti said.
Democrats Push Back, Calling for Immediate Action
Senate Minority Leader Lori Berman expressed frustration over shelving all insurance proposals this session, including a bold plan for a multi-state risk-sharing compact requiring participation from at least 14 states.
Democrats have submitted 11 insurance-related bills this year—yet every one of them remains stalled under the Republican majority.
What Lawmakers Are Focusing on Instead
With insurance issues set aside, Florida lawmakers are redirecting their attention toward property tax relief—another financial strain impacting families statewide.
Why This Matters for Real Estate Professionals
Insurance volatility doesn’t operate in a bubble—it directly shapes Florida’s real estate landscape. For real estate professionals, mortgage advisors, and insurance agents, staying ahead of legislative trends is essential.
This is where Cameron Academy continues to support industry experts. Whether you’re renewing your professional license or expanding into a new field, our courses help you stay aligned with the ever-evolving regulatory environment shaping your career.
Story originally reported by WPTV. Article adapted for Cameron Academy readers.
More Articles
Getting licensed or staying ahead in your career can be a journey—but it doesn’t have to be overwhelming. Grab your favorite coffee or tea, take a moment to relax, and browse through our articles. Whether you’re just starting out or renewing your expertise, we’ve got tips, insights, and advice to keep you moving forward. Here’s to your success—one sip and one step at a time!
Florida families are feeling the squeeze as everyday costs, insurance premiums, and homeownership barriers continue to climb. House District 102 candidate Jayden D’Onofrio is calling for a broader, more unified affordability strategy—one that tackles the state’s insurance crisis, supports first‑time homebuyers, and restores real competition in the market. His message centers on transparency, practical solutions, and keeping Florida livable for the professionals, workers, and families who power its economy.
A decade of dramatic change is reshaping America’s health insurance markets. Employer group plans are becoming increasingly dominated by a few powerful insurers, while the ACA individual marketplace is experiencing record‑breaking competition and enrollment. Self‑funded plans are surging, small‑group premiums are driving employers to new coverage models, and major policy shifts in 2025 could redefine affordability for millions. This data‑driven Peterson‑KFF analysis breaks down the trends every insurance, finance, and business professional needs to understand as the industry enters a transformative new era.
Sarasota County is inching closer to approving Winchester Ranch, a massive 8,999‑home community planned for more than 3,100 acres in North Port. With a 7‑1 vote from the Planning Commission and a final decision expected in early 2026, the project could become one of Southwest Florida’s largest developments in decades—bringing new housing, commercial space, and industry while raising fresh questions about growth, the environment, and the region’s rapidly evolving real estate market.
Lument Finance Trust has closed a major $663.8 million commercial real estate CLO, marking one of the standout CRE finance deals of 2025. The transaction, LMNT 2025-FL3, features a strong reinvestment period, non‑recourse and non‑mark‑to‑market financing, and a diversified pool of 32 loans tied to 49 properties nationwide. With J.P. Morgan leading the structuring and more than $585 million placed in investment‑grade securities, the deal highlights renewed stability in transitional CRE debt—making it a development real estate and finance professionals will want to watch closely.
Walmart has partnered with Alquist 3D to roll out the nation’s first large‑scale wave of 3D‑printed commercial buildings, signaling a major shift in how future retail and industrial spaces will be constructed. After completing an 8,000‑square‑foot 3D‑printed expansion in Tennessee—the largest of its kind—the company is moving forward with over a dozen new projects nationwide, accelerating a tech‑driven transformation in commercial real estate.
Citizens Property Insurance Corp. is recommending statewide rate reductions for 2026—the first proposed decrease in more than a decade. Most Citizens policyholders could see an average 11.5% drop, reflecting recent insurance‑market reforms that have stabilized Florida’s turbulent property sector. With hundreds of thousands of policies moving back to private insurers and state‑backed Citizens shrinking to record‑low enrollment, real estate and insurance professionals should prepare for how lower premiums may influence affordability, buyer confidence, and market activity heading into 2026.
