December 17th, 2025 12:55 PM by Linda Holley
Citizens, the "state's insurer of last resort" proposes a rate decrease, the first in a decade. Citizens recommends an average 2.6% rate decrease for non-commercial property insurance lines, saving some customers hundreds of dollars (subject to state regulator's approval). South Florida's southernmost counties (Miami-Dade, Palm Beach, Monroe, Broward) will pay about $400 less when their policies renew in June 2026. These areas are historically the storm-battered areas in Florida. "The bad old days of Florida's insurance crisis are well in the rear-view mirror," say leaders of the industry.
However, not all Citizens policyholders will get a break...rates for customers in Manatee and several other counties will rise slightly. The 14% previously expected increase for 2026 will be approximately 7 percent for those counties. This comes as many private insurers are dropping their rates, too.
Personally, I use and recommend State Farm Insurance and have been very satisfied, but they are selective. Single family homes must have been built in 2009 or later. For condominiums, the year built is not an issue, but the condo must be for primary use and may not be on the water.
Linda Holley, Realtor, GRI, SRES, CIPS, William Raveis Real Estate, Siesta Key and Sarasota, FL 941-914-4914
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