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Florida homeowners insurance has been a rollercoaster. We bought our home in 2008 paying about $3,600 a year, then by 2021 our insurance jumped to $7,700 and the next year it hit $12,000. That’s how fast rates exploded across South Florida and the state. In 2021, Florida lawmakers stepped in to stop roofing claim solicitation and lawsuits that were driving costs up. Recently, Governor DeSantis announced insurance rates are down about 8.5%. After selling that home, buying new construction, and moving out of South Florida, our new insurance came in at $3,900. I’m not an insurance expert just sharing real numbers and real experiences. Did your insurance rates triple? Have your prices come down? Drop your city and state in the comments and let’s talk.