For the first time in over a decade, Florida homeowners insurance rates are dropping — and most homeowners have no idea what just changed. In this video I break down five 2026 changes that could cut your premium by $1,500 or more, plus the state grant program writing $10,000 checks to homeowners right now. Hurricane season starts June 1st — here’s exactly what to do before your renewal hits. CHAPTERS: 0:00 Intro 0:22 Why The Florida Insurance Market Just Flipped 1:07 Change #1: Citizens 2026 Rate Cuts Explained 1:51 South Florida County-By-County Reductions 2:31 Change #2: 17 New Insurance Carriers In Florida 3:26 Why Shopping Your Policy Beats Renewing 3:46 Change #3: My Safe Florida Home $10,000 Grant 4:23 How The 2-To-1 Grant Match Actually Works 5:02 Who Qualifies For The 2026 Grant Cycle 6:08 Change #4: Reinsurance Softening & June Renewals 6:51 Change #5: The 120-Day Non-Renewal Rule 7:31 When Citizens Is NOT The Cheapest Option 8:36 Get Your Free Hurricane Insurance Checklist

Source: Florida Insurance Crisis Is Over?! | 5 Changes Every Homeowner Needs