If you live in the Sunshine State, you are likely used to high humidity and high prices, but many homeowners describe the 2026 renewal notices as a home insurance shock. While state-backed Citizens policies offer capped increases, the private market continues to experience significant volatility. Consequently, this trend forces many retirees and middle-class families to reconsider if they can afford to stay in Florida. It feels as though the system creates a financial barrier for those simply trying to own a piece of paradise.
