After years of premium increases that reshaped how Americans thought about coastal Florida ownership, the state's homeowners insurance market is moving into a new phase in 2026. Citizens Property Insurance policyholders are receiving premium reductions at policy renewal this spring and summer, with a statewide average decrease of 8.7% and more than 150,000 policyholders receiving reductions of 10% or greater, according to the Executive Office of the Governor of Florida. State Farm has filed an a
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