South Florida has long been a challenging region for homeowners due to hurricanes, flooding, and rising property values. In 2025, boomers are reporting that insurance deductibles are climbing faster than expected, straining household budgets. Deductibles are the portion of claims homeowners must pay before insurance coverage begins, and higher amounts mean retirees face greater financial risk. Understanding why deductibles are rising helps older adults prepare for unexpected expenses and make informed decisions about their coverage.
