Florida homeowners insurance guides
Roof age rules, wind mitigation and 4-point inspections, Citizens, and how Florida carriers decide whether to write your home.
Citizens Property Insurance in Florida: Eligibility, the 20% Rule and Leaving
How Citizens Property Insurance works in 2026: who's eligible, the 20% rule, the $700,000 limit, takeout offers and how to move to a private insurer.
· 5 min read
Florida Roof Age Insurance Rules: The 15-Year Law and What It Means
How section 627.7011 protects Florida homeowners with roofs under 15 years old, the inspection right for older roofs, roof deductibles and the 25% repair rule.
· 6 min read
How to Get Homeowners Insurance in Florida: A 2026 Guide
How Florida homeowners insurance works in 2026: HO-3 vs HO-8, what underwriters check (roof, 4-point, wind mitigation, claims), Citizens and what to have ready.
· 7 min read
Wind Mitigation Inspections in Florida: The OIR-B1-1802 Form Explained
What Florida's wind mitigation form (OIR-B1-1802, revised April 2026) checks, who can sign it, how long it's valid and how it can lower your homeowners premium.
· 6 min read
How to Lower Your Home Insurance Premium in Florida: 9 Practical Steps
Practical ways to lower a Florida homeowners premium: wind mitigation credits, deductible choices, roof updates, claims history, My Safe Florida Home and shopping.
· 5 min read
What Is a 4-Point Inspection in Florida, and How Do You Pass One?
Florida insurers ask for a 4-point inspection on older homes. What inspectors check on the roof, electrical, plumbing and HVAC, and what causes trouble.
· 6 min read