Florida renters insurance: no new filings in 30 days, $15/mo NAIC baseline holds (2026)

No new Florida renters insurance rate filings have been recorded in the past 30 days. The 2023 NAIC published baseline ($15/mo) remains the most recent state-aggregate reference; current carrier rates typically run 10-25% above.

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What’s driving this

Florida’s insurance market is restructuring after the 2022 legislative reforms (SB 2A) eliminated assignment-of-benefits abuse and capped attorney-fee multipliers. Carriers that had exited or were on the brink of insolvency are starting to write new business again, but home rates remain among the highest in the country.

Other recent filings + market moves

• State Farm filed a 14.2% FL home rate increase effective December 2025 (SFG-FL-2025-HOME-03).
• Citizens depopulation program transferred ~430K policies to private carriers through Q4 2024.

Methodology: /methodology/rate-authority/

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