Insurance Shock 2026: Premiums Projected To Rise 8% Despite Major State Reforms!

Insurance Shock 2026: Why Your Florida Homeowners Insurance Is STILL Rising 8% Despite Major Reforms Florida homeowners insurance premiums are projected to rise 8% in 2026—even after all the "market reforms" politicians promised would fix everything. If you're wondering why your bill keeps climbing despite 17 new companies entering the market, this video breaks down the hidden costs nobody's talking about. What You'll Learn: ✅ Why "market stabilization" doesn't mean lower premiums for YOU ✅ The replacement cost trap that raises your bill even when rates stay flat ✅ How lawsuits from 2021 are STILL inflating your 2026 premium (the litigation tail) ✅ The global reinsurance floor keeping Florida insurance expensive ✅ Why Citizens Property Insurance is forcing you into 20% more expensive policies ✅ 3 actionable strategies to fight back and lower your premium NOW The Truth About Florida Insurance in 2026: The reforms worked—but they stabilized the INSURANCE COMPANIES, not your wallet. While politicians celebrate 17 new carriers entering Florida, homeowners are still seeing 8% average increases. Some coastal areas are seeing 12% hikes, and if you're being moved off Citizens Property Insurance, you could face a 20% jump. This video exposes the hidden mechanisms keeping premiums high: Construction inflation driving replacement costs up 10%+ annually Thousands of pre-reform lawsuits still costing billions Global reinsurance companies charging Florida a "hurricane premium" State-mandated migration from Citizens to more expensive private plans Take Action Today: 🔍 Get a new wind mitigation audit (could save $500+/year) 💰 Check if My Safe Florida Home grants are available 📊 Shop at least 3-5 carriers—loyalty is costing you money 🗳️ Make insurance a voting issue in the 2026 midterms Insurance is the #1 political issue in Florida heading into the 2026 elections. The only way the next reforms actually help YOU is if lawmakers feel pressure from voters. Share this video, talk to your neighbors, and demand accountability. Resources Mentioned: Florida Office of Insurance Regulation (OIR): https://floir.com My Safe Florida Home Program: https://mysafeflhome.com Wind Mitigation Information: [Check state resources] Citizens Property Insurance: https://citizensfla.com Related Videos You Should Watch: 🏠 Florida Real Estate Crisis 2026: What Buyers Need to Know ⚠️ Hurricane Insurance: What Your Policy Actually Covers 💸 How to Lower Your Florida Insurance Premium (Step-by-Step) 🏛️ Florida Insurance Reforms: Did They Actually Work? Is your Florida homeowners insurance rising in 2026? Drop your story in the comments—let's compare notes and hold these companies accountable. 📌 SUBSCRIBE for more Florida real estate truth that other channels won't tell you. Hit the notification bell so you don't miss the next breakdown. 👍 LIKE this video if you're tired of being gaslit about "market stabilization" 💬 COMMENT your biggest insurance frustration below 📤 SHARE with every Florida homeowner you know About This Channel: I break down the real story behind Florida real estate, insurance, and housing—no BS, no politician talking points, just the truth about what's actually happening to your money. If you're tired of videos that tell you to "just wait" while your bills climb, you're in the right place. #FloridaInsurance #HomeownersInsurance #FloridaRealEstate #InsuranceShock2026 #CitizensPropertyInsurance #FloridaHousing #InsuranceReform #FloridaHomeowners #PropertyInsurance #HurricaneInsurance #InsuranceCrisis #Florida2026 #RealEstateFlorida #HomeBuying #InsuranceTips #FloridaLiving #TampaBay #Miami #Orlando #Jacksonville #FloridaNews #PersonalFinance #MoneyTips #HomeownerTips #InsuranceAdvice Disclaimer: This video is for educational and informational purposes only. I am not a licensed insurance agent or financial advisor. Always consult with qualified professionals before making insurance or financial decisions. Information accurate as of January 2026. 💬 What's your insurance horror story? Let me know in the comments! 👇