Florida Homeowners Reported Insurance Concerns

A new University of North Florida poll reveals that property insurance costs now weigh heavier on homeowners than taxes.

Updated on Sept. 28, 2026 in Insurance

Florida Homeowners Reported Insurance Concerns

Live Poll

Do you feel the property insurance market in your area is getting better or worse?

A University of North Florida poll found that 63% of surveyed homeowners are more worried about property insurance than property taxes. The survey highlights significant instability, with 54% of respondents changing their primary insurer within the past five years.

Why it matters

Rising premiums and frequent policy cancellations have left a majority of Florida residents skeptical about market stability. Many homeowners believe that recent state legislative reforms have favored the insurance industry over the public interest.

The survey of 1,511 homeowners shows 47% faced at least a 50% premium increase over five years, while 25% have been dropped by an insurer. Notably, 45% of claims filed in that period were initially denied.

The players

University of North Florida

This public university located in Jacksonville conducted the survey to track housing and insurance sentiment across the state.

The details

The findings, weighted by demographics and political registration, suggest deep-seated frustration as 55% of participants reported seeing no signs of market improvement. While many residents express dissatisfaction, 75% remain confident that their insurer can handle repairs for severe damage.

Legislative reforms were passed in 2022 and 2023.
A Consumer Reports survey was conducted in 2024.
The university poll was conducted from July 16 through July 31, 2026.
Findings were published on September 28, 2026.

Market Dynamics

This sentiment follows the implementation of the 2022-2023 Florida property insurance legislative reforms, which were designed to stabilize the market. The findings suggest a disconnect between those policy goals and the experienced reality of homeowners regarding costs and coverage.

Homeowners should be prepared for potential future premium hikes or further coverage denials based on current market trends. Residents might consider reviewing their policy fine print to ensure they meet the criteria required to avoid unexpected coverage drops.

The takeaway

Maintaining a comprehensive understanding of policy terms is essential as insurers continue to adjust their risk portfolios across the state. Homeowners are encouraged to regularly monitor their coverage status to mitigate the risk of being dropped without warning.