Insurance news that affects your coverage
The Florida and national property & casualty market moves fast. Here are the headlines we're watching, and what they mean for the policies you carry.
- 24/7 Wall St.•Sep 5, 2026
Snowbirds: your empty Florida home may not be fully covered
Running two homes doubles the property taxes, utilities, and insurance. The part that surprises people is what happens while one sits empty.
Read summary - Claims Journal•Sep 4, 2026
Quietest Atlantic hurricane season since 1941, and peak is here
Dry air and El Niño wind shear have kept the Atlantic nearly storm-free. The season’s peak still lands next week, so do not relax yet.
Read summary - PR Newswire•Sep 4, 2026
New Texas homeowners program adds another admitted option
Bamboo Insurance launched an admitted homeowners program in Texas built around flexible coverage choices. More competition helps, but read the exclusions.
Read summary - Insurance Journal•Sep 4, 2026
Reinsurance prices keep sliding, and Florida homes benefit
S&P expects global reinsurance pricing to stay under pressure into 2027. That is the cost layer sitting underneath your Florida homeowners premium.
Read summary - Insurance Journal•Sep 3, 2026
Florida drivers and homeowners saved close to $3B last year
A new actuarial report puts Florida’s 2025 premium savings near $3 billion, with auto rates down 4.1% and home rates up less than 1%.
Read summary - Insurance Journal•Sep 2, 2026
Insurer profits jumped, and rate increases finally slowed
U.S. property and casualty insurers booked a $31.7 billion first-half underwriting gain while premium growth cooled to 2.1 percent.
Read summary - Insurance Journal•Sep 2, 2026
Citizens picks a firm to move commercial policies out
Florida Citizens awarded its commercial clearinghouse to Bridge Specialty. If your building is insured there, expect a private offer at renewal.
Read summary - Financial Post•Sep 1, 2026
Why your premium stays high: $171B in yearly disaster losses
Verisk now puts average annual insured catastrophe losses at about $171 billion worldwide. That number is why renewals keep climbing.
Read summary - Mercury Insurance•Sep 1, 2026
Small repairs you keep putting off can cost you a claim
Mercury Insurance flags the little fixes that snowball. Home policies pay for sudden damage, not for damage that built up while you waited.
Read summary - CNN•Aug 31, 2026
Tropical Storm Edouard aims at Texas: the flood gap
Edouard formed in the Gulf and heads for the Texas-Louisiana line. Heavy rain is the main threat, and a homeowners policy will not pay for it.
Read summary - CRE Daily•Aug 30, 2026
Florida apartment insurance costs fell 6.2% last year
Multifamily property insurance in Florida dropped 6.2% in 2025 while costs rose 3.4% in other states. Rate relief is finally showing up in the numbers.
Read summary - 24/7 Wall St.•Aug 29, 2026
Florida's no-tax math ignores insurance and condo assessments
Retirement budgets built on zero state income tax keep breaking on two line items: coastal property premiums and condo special assessments.
Read summary - TheStreet•Aug 28, 2026
Allstate posts big profits while home premiums keep rising
The carrier reported roughly $3.2 billion in quarterly net income as homeowners rates keep climbing. Strong results do not cut your renewal.
Read summary - ABC News•Aug 27, 2026
Tropical Storm Dolly forms. Check your policy this weekend
The season's fourth named storm formed Thursday in the Atlantic. Once a system gets close, carriers stop writing new coverage and changes.
Read summary - Jalopnik•Aug 27, 2026
Driving for Uber or DoorDash? Your auto policy has a hole
Rising insurance costs are showing up in rideshare fares. The bigger risk for drivers is the gap a personal auto policy leaves open.
Read summary - Homedit•Aug 27, 2026
Check where your downspouts drain before September storms
Three named storms have formed so far this season, and September is the busy stretch. Where your roof water lands decides what a policy will cover.
Read summary - Dairyland•Aug 26, 2026
Dairyland is sending $30 million back to Florida drivers
Dairyland says it will return roughly $30 million to eligible Florida auto policyholders as a one-time dividend. Here is what that actually means.
Read summary - Insurance Journal•Aug 25, 2026
Florida workers' comp rates are set to fall again in 2027
NCCI is asking for a 7.4% average cut to Florida workers' comp rates. Approved, it would be the tenth straight year of decreases.
Read summary - Insurance Journal•Aug 25, 2026
Big jury awards jumped 40%, and Texas and Florida led
Verdicts of $10 million or more against companies rose 40.7% last year. Texas and Florida ranked at the top, which is a liability-limit problem.
Read summary
Summaries are written in-house from third-party reporting; each links to the original publisher as its source. Headlines older than two weeks are retired.
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