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Understanding homeowners insurance in Florida has never been more important—especially for buyers and homeowners in Southwest Florida, where rising premiums, flood zone changes, and shifting underwriting guidelines can dramatically impact affordability. In this episode of Luxury Living Southwest Florida, Daniel Abreu sits down with Cara DiMarzo of Chapman Insurance Group, an 11-year industry expert who breaks down everything you must know about the current Florida insurance market. Cara explains why premiums have increased across Florida, how reinsurance costs, storm losses, and fraudulent claimshave reshaped the market, and why carriers are tightening guidelines more than ever. We also dive into what types of insurance coverage you need in Florida, the difference between homeowners, wind, and flood insurance, and how FEMA’s Risk Rating 2.0 is changing flood insurance pricing in Naples and Fort Myers Homebuyers will learn which red flags in a home can limit coverage—such as older roofs, outdated plumbing, aluminum wiring, and unpermitted repairs—as well as what upgrades truly help reduce premiums (impact windows, roof straps, SWR barriers, and more). Investors and luxury home owners will also benefit from Cara’s insights on short-term rental insurance, umbrella policies, and coverage considerations for high-value properties. If you're buying a home, investing, or simply trying to navigate Florida’s evolving insurance landscape, this conversation offers the clarity you need to avoid costly surprises. If you're thinking about living in SWFL, or any other Naples & Fort Myers suburb, we'd love to help! We can help you navigate the Naples & Fort Myers real estate market. Just give us a call, shoot us a text, send us an email, or schedule a Zoom call, and we'd love to help you make a smooth move to Naples & Fort Myers! ⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️⬇️ 🤔Thinking of Moving to Naples & Fort Myers? 📱 Call or Text: 727.638.1704 📨 Email: [email protected] 📅 Zoom: https://calendly.com/danielabreureale... ⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️⬆️ ====== If this is your first time to this channel, and you want to know everything about Naples & Fort Myers and the surrounding areas, then subscribe▶ and tap the bell🛎 for notifications, so you can be the first to know about the current market in Naples & Fort Myers 😁 ▶Subscribe 👉 / @danielabreurealtor ====== *All stats, data, house pricing, and anything else mentioned is always subject to change and is provided merely as an example at the time of this recording* ====== Daniel Abreu, Naples & Fort Myers Real Estate Agent | Florida Real Estate License: SL3467019 Brokered by Realty One Group MVP ====== FTC Legal Disclaimer - Some links found in the description box of my videos may be affiliate links, meaning I will make commission on sales you make through my link. This is at no extra cost to you to use my links/codes, it's just one more way to support me and my channel! :) #FloridaInsurance #HomeownersInsuranceFlorida #SouthwestFloridaRealEstate #NaplesFloridaRealEstate #FortMyersRealEstate #FloridaFloodInsurance #RiskRating20 #FEMAInsurance #FloridaHomebuyers #InsuranceTipsFlorida