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Homeowners insurance in Florida: rates, insurers, regulators and new rules.

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Florida

Florida home insurance: Citizens has shrunk since the 2022–2023 reforms, statute sets hurricane deductibles, and claims run on tight 7-, 30- and 60-day clocks.

Homeowners premiums (2025)$18.83 billion
Largest insurerCitizens Property Insurance Corporation (Florida) (7.98% of 2025 premiums)
Insurer of last resortCitizens Property Insurance Corporation
Insurance department850-413-3140

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