Florida Home Insurance After the Freeze: Carriers Worth Quoting in 2025

The Florida home insurance market spent 2022 through early 2024 in something between a slow-motion collapse and a carrier-exit panic. Citizens — the state-backed carrier of last resort — went from a couple hundred thousand policies to over 1.4 million at its 2023 peak. Premiums in some ZIPs doubled. National-brand carriers either non-renewed entire books of business or quietly stopped writing new policies anywhere in the state.

In 2025 the picture is, finally, less terrifying. Here is what's actually changed and what to do about it.

What changed in the last 18 months

Three things, in rough order of importance:

1. AOB litigation reform. SB 2A and SB 7052, layered, have meaningfully reduced the assignment-of-benefits litigation that drove a disproportionate share of Florida claims to court. Carrier loss ratios are slowly improving.
2. OIR approving new entrants and rebuilds. The state's Office of Insurance Regulation has approved several new market entrants and post-restructure carrier resurfacings (notably FedNat, post-restructure). Citizens depopulation is hitting stride.
3. Reinsurance market stabilization. The 2024 hurricane season was costly but not catastrophic. Reinsurance pricing for 2025 firmed but didn't spike — a meaningful shift from 2023.

The result: real, if expensive, market choice for most Florida homeowners in 2025.

Carriers actually writing new business in 2025

The current names worth quoting (this list will shift; verify with your independent agent):

• Heritage Insurance. Florida-domiciled, public, and currently aggressive on new business in non-coastal ZIPs.
• Olympus. Has reopened underwriting in multiple coastal markets at premiums roughly 12–18% under Citizens.
• HCI Group / TypTap. Aggressive pricing for newer construction, strict on roofs over 10 years.
• FedNat (rebuilt entity). Quoting selectively, post-restructure capital position is better than its predecessor.
• State Farm. Writing new business again in many markets, but underwriting is selective. Worth a quote if you have an SF agent already.
• Citizens. Still the carrier of last resort. Take a private quote whenever your home qualifies — the premium may surprise you.

The biggest change in 2025: a Citizens policyholder with a 6-year-old roof and proper wind mitigation paperwork is now likely to qualify for a private carrier quote that beats Citizens on price. Even six months ago, that was uncommon.

Roof age — the dominant variable

For 2025 Florida home insurance, roof age governs almost every other underwriting decision. The thresholds (vary by carrier):

• 0–10 years: Full replacement cost coverage, normal premium. Quote everyone.
• 10–14 years: Many carriers go ACV-only on roof, others reduce limits. Premium starts climbing.
• 14+ years: Many carriers won't quote at all. Citizens may be your only option until you replace.

If your roof is 14+, the operating question is whether to roof-replace before re-shopping. For most homeowners with 14+ year roofs in coastal ZIPs, replacing the roof and then re-shopping moves you from a $7K+ Citizens premium to a $3,800–$4,500 private-market quote — a payback period of often less than three years.

Wind mitigation paperwork

Wind mitigation discounts in Florida are genuinely large — typically 25–45% off your premium when properly documented. The form (OIR-B1-1802) is good for five years. If yours has expired:

• Hire a licensed wind mitigation inspector ($150–$275).
• Submit the new form before your renewal.
• Verify your carrier honored every applicable credit (gable end bracing, roof deck attachment, secondary water resistance, opening protection).

This is the single highest-ROI hour you can spend on a Florida home policy.

What we'd actually do

If your renewal is coming up:

1. Book a wind mitigation inspection if your form is more than 4 years old.
2. Pull your current declarations page and verify your dwelling rebuild cost matches current Florida construction costs (think $190–$245 per sq ft in 2025, varies by region).
3. Get three quotes — your current carrier, plus two of {Heritage, Olympus, HCI/TypTap, FedNat, State Farm}.
4. Compare on apples-to-apples deductibles and wind deductibles, not just total premium.

You will probably save several hundred to two thousand dollars. You will almost certainly understand your policy better than you did before.