Nocatee, Florida — Higher homeowners insurance costs are shaping up as a political flashpoint ahead of the 2026 midterm elections in Florida, a new Insurify analysis finds. The research shows 65% of Florida respondents believe climbing coverage costs will draw them to the ballot box, versus 58% nationwide.
Insurify pegs the typical Florida policy at $8,292 a year and expects a modest 2% increase this year. The findings also show that among Florida homeowners, 49% said their premiums climbed over the past year, 57% view the state's economy negatively, and 71% think state elections influence what they pay for coverage.
Lawmakers the insurer quotes contend that litigation changes have produced steadier and often lower rates as more carriers write policies in Florida, though costs have still gone up in communities such as South Florida as prices and property values climbed. Republican state leaders have turned to property tax relief as a fresh affordability target. Most Florida respondents — 84% — say they expect to vote in the 2026 midterms, and 72% own their homes.
