If Florida homeowners insurance for Central Florida homebuyers has been one of your concerns, there may finally be some encouraging news. Insurance costs have caused many buyers to hesitate about purchasing a home in Florida.

For years, buyers relocating to Florida have heard the same warning: “Florida homeowners insurance is too expensive.” Insurance should still be part of your home-buying budget. However, 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. The new rates took effect July 1.

At the same time, Florida’s private insurance market has continued to expand. This may give some homeowners additional options for coverage.

What Does This Mean for Central Florida Homebuyers?

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 also about having the right people around you to make an informed 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 and property condition also matter.

HOA requirements, taxes, closing costs and future maintenance can also affect your decision. All of these expenses help determine 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.

We can also connect you with experienced professionals who provide specialized information along the way.

The Right Professionals Can Help You Understand the Full Picture

Need to explore homeowners insurance options? We can help connect you with insurance professionals.

Need financing? We can help connect you 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. However, 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 significantly from one property to another.

Several property features can affect insurance costs. These may include roof age, construction, electrical and plumbing systems, previous updates, and wind-mitigation features.

Location can also play a role. Coverage amounts and deductibles may affect your premium as well.

That’s why looking beyond the listing price matters.

A home with a lower purchase price may not always be the least expensive home to own. Another property may offer advantages that are not immediately obvious from the listing.

Look Beyond the Listing Price

Our goal is to help buyers ask the right questions. We also help them connect with the right professionals.

Having the right information can make it easier to evaluate a property 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 or purchasing your first home, you don’t have to navigate the process alone.

The same applies if you’re simply making your next move.

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 right home. We can also connect you with local professionals and resources during the process.

Our goal is to help you move 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.

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