A Central Florida Homebuyer’s Guide
Is Florida Homeowners Insurance Finally Getting Better?
What’s Moving the Market
For years, buyers relocating to Florida have heard the same warning
If Florida homeowners insurance has been one of the reasons you’ve hesitated to buy a home in Florida, there may finally be some encouraging news.
For years, buyers relocating to Florida have heard the same warning: “Florida homeowners insurance is too expensive.” While insurance should absolutely remain part of your home-buying budget, recent changes suggest the Florida homeowners insurance market may be showing signs of stabilization.
Citizens Property Insurance approved an average 8.8% decrease in homeowners multiperil rates for 2026, with the new rates taking effect July 1. At the same time, Florida’s private insurance market has continued to expand, giving many homeowners additional options for coverage.
But here’s what we believe Central Florida buyers really need to know:
Buying the right home isn’t just about finding the right price. It’s about having the right people around you to make a smart decision.
Your REALTOR® Should Do More Than Help You Find a House
When you’re buying a home in Central Florida, there are a lot of moving pieces.
Insurance is one of them. Financing, inspections, title, appraisal, property condition, HOA requirements, taxes, closing costs and future maintenance can all affect whether a property truly makes sense for you.
That’s where having the right Central Florida real estate team becomes important.
At RE/MAX Heritage – The Bardell Team, our job isn’t simply to unlock doors and show you houses. We help guide you through the home-buying process and connect you with experienced professionals who can provide the specialized information you need along the way.
Need to explore homeowners insurance options? We can help connect you with insurance professionals.
Need financing? We can help you connect with mortgage professionals.
Need an inspection, title company or another local real estate resource? We can help you know where to start.
You still choose the professionals who are right for you—but you don’t have to begin your Central Florida home search wondering who to call.
The Home You Choose Can Make a Difference
Your actual Florida homeowners insurance premium can vary considerably from one property to another.
Location, roof age, construction, electrical and plumbing systems, previous updates, wind-mitigation features, coverage and deductibles can all make a difference.
That’s why looking beyond the listing price matters.
A home that appears less expensive may not always be the most affordable home to own, while another property could offer advantages that aren’t immediately obvious from the listing.
Our goal is to help our buyers ask the right questions, connect with the right professionals and gather the information they need before making one of life’s biggest financial decisions.
Buying in Central Florida? Start With the Right Team.
Whether you’re relocating to Florida, retiring in Central Florida, purchasing your first home or simply making your next move, you don’t have to navigate the process alone.
If you’re looking for a home in Clermont, Davenport, Kissimmee, Winter Garden or the Four Corners area, start with RE/MAX Heritage – The Bardell Team.
We’ll help you find the home—and help connect you with the local professionals and resources you may need to get from “We’re thinking about moving to Florida” to “Welcome home.”
Ready to start your Central Florida home search? Connect with one of our RE/MAX Heritage – The Bardell Team REALTORS® today.