Florida home insurance renewal checklist.

Review wind and hurricane details

Check whether your hurricane or wind deductible changed. Florida policies may include separate deductibles or limitations that matter more than the all-perils deductible after a storm.

Ask about mitigation discounts

Florida homeowners may qualify for premium discounts tied to hurricane loss mitigation features. Ask whether the renewal reflects your current roof, opening protection, roof-to-wall connections, and any completed inspections or improvements.

Compare before reducing coverage

If the renewal is painful, do not reduce coverage blindly. Compare dwelling limits, replacement-cost terms, roof settlement terms, water coverage, and exclusions before choosing a cheaper option.

Official Florida resources

• Florida CFO homeowners insurance overview
• Florida homeowners insurance FAQs
• Florida OIR CHOICES rate comparison search

Contribute to the tracker

If you are a Florida homeowner, you can add your renewal change anonymously. RateReceipt asks only for Florida, renewal month, and two annual premium totals.