Florida Homeowners Reported High Insurance Concerns

A new poll reveals how rising premiums and policy cancellations have strained the budgets of homeowners across Florida.

Updated on Sept. 28, 2026 in Insurance

Bold vector editorial illustration of a Florida home front door with partially closed storm shutters, framed by palmetto leaves. — A University of North Florida survey reports that 63% of residents are more concerned about rising property insurance premiums than property taxes. AI Illustration. Upload story photo >

Live Poll

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

A University of North Florida poll of 1,511 homeowners found that 63% are more concerned about property insurance than property taxes. The survey, released September 28, 2026, highlights widespread financial frustration with the state's insurance market.

Why it matters

Rising insurance costs and frequent policy cancellations have become major financial stressors for residents, as nearly half of long-term homeowners have seen premiums jump by 50% or more. Many households feel the current market environment has yet to stabilize despite recent legislative reforms.

A University of North Florida poll of 1,511 homeowners shows that 47% of long-term residents experienced at least a 50% premium increase over the past five years. Additionally, 45% of claims filed in that period were initially denied by insurers.

The players

University of North Florida

An academic institution that conducts research and public policy polling relevant to Florida residents.

The details

The survey results reflect a turbulent period where 25% of homeowners reported being dropped by their insurance provider in the last five years. This instability has forced more than half of surveyed residents to switch companies, often facing significant cost hikes that challenge household budget planning. Furthermore, 69% of those polled believe that the insurance industry, rather than the consumer, has been the primary beneficiary of recent state legislative efforts.

Legislative reforms were passed in 2022 and 2023.
A related Consumer Reports survey was conducted in 2024.
The University of North Florida poll was conducted from July 16 through July 31, 2026.
Poll findings were published on September 28, 2026.

Money Landscape

This poll provides a snapshot of current sentiment regarding the effectiveness of the 2022 and 2023 Florida legislative insurance reforms. It sits against a backdrop of prolonged market volatility that continues to challenge the affordability of homeownership across the state.

Given the high rate of denied claims and premium volatility, homeowners should review their current policy documents to confirm coverage limits. Discussing specific policy terms with a licensed insurance professional can help clarify how to prepare for potential rate adjustments or claim denials.

The takeaway

The data confirms that insurance volatility is a primary source of financial anxiety for a majority of Florida households. Readers should review their current policy for renewal dates and maintain detailed records of all claim correspondence to ensure they are prepared for future insurance interactions.