Are Florida home insurance rates finally going down in 2026? After premiums climbed almost every year since 2020, the honest answer is this: the market is stabilizing, and for the first time in years some rates are actually easing — though it’s uneven, and a few costs are still rising. Below is a driver-by-driver look […]
Are Florida Homeowners Insurance Rates Going Down in 2026? Read More »
The My Safe Florida Home grant program helps homeowners pay for hurricane-hardening upgrades — and it’s one of the few state programs that can directly lower what you pay for homeowners insurance. Administered by the Florida Department of Financial Services, it offers two things: a free wind mitigation inspection and a matching grant of up
My Safe Florida Home: Grants, Inspections, and Insurance Discounts Read More »
If a Citizens takeout offer just arrived in your mailbox, don’t set it aside — it’s one of the few pieces of insurance mail in Florida with a hard deadline and real consequences attached. These letters come from Citizens Property Insurance Corporation’s depopulation program, the state’s ongoing effort to move policies from the government-backed insurer
Got a Citizens Takeout Offer? Florida’s Depopulation Rules, Explained Read More »
If you own a condo unit, you might assume the association’s insurance has you fully covered when it comes to flood damage. Many condo owners — especially those living on upper floors — believe they don’t need their own condo flood insurance policy. That assumption could end up costing you thousands of dollars. The truth
Why Condo Owners Need Building Flood Coverage — Even on Upper Floors Read More »
You’re standing at the rental car counter, bags in hand, ready to hit the road — and then comes the big question: “Would you like to purchase our insurance coverage?” It sounds simple, but the answer is anything but. Before you say yes or no, it helps to understand exactly what your personal auto insurance
Should You Buy Rental Car Insurance? What Your Auto Policy Actually Covers Read More »
If you drive a company or state-owned vehicle for personal use, your personal auto policy may leave you uninsured. Learn about the coverage gap and how affordable endorsements can protect you and your family.
Driving a Company or State-Owned Car? Here’s the Coverage Gap You Need to Know About Read More »
Many vehicle owners owe more on their auto loan than their car is worth. If a total loss occurs, GAP coverage pays the difference between what you owe and what your insurance pays out, saving you thousands of dollars.
Why GAP Coverage Is Essential for Every Vehicle Owner Read More »
Editor’s note: reviewed and updated June 2026 to reflect Tampa Bay’s storm surge experience during Hurricanes Helene and Milton (2024) and current Florida hurricane-deductible law. How to Prepare for a Hurricane in Tampa, FL & What to Check in Your Homeowners’ Insurance Policy If you live in Tampa, Florida, you know that the stunning Gulf
Hurricane Preparation for Florida Homeowners Insurance Consumers Read More »
Editor’s note: Joshua wrote this in December 2022, days before the Legislature’s special session. That session passed SB-2A, which enacted the core reforms argued for below. Since then, new carriers have entered Florida and Citizens has shed hundreds of thousands of policies through depopulation. For the current market, see our 2026 Florida Homeowners Insurance Guide.
End Florida’s Insurance Nightmare Read More »
A Citizens insurance cancellation or non-renewal notice can be alarming, but in 2026 it almost always traces back to a handful of specific, knowable rules rather than a market that has run out of options. We are an independent Florida agency, and we walk homeowners through these notices every week. The good news is that
Why Citizens Might Cancel or Non-Renew Your Florida Policy in 2026 Read More »
Cornerstone Insurance‘s Joshua Butts was recently featured in a USA Today article on disaster preparedness. “Get busy before disaster strikes to maximize insurance payout” discusses the fact that while you can’t stop disasters, you can ease the blow if you’re properly insured. Read the Article Here
Cornerstone’s Joshua Butts featured in USA Today Article Read More »
Editor’s note: Originally published May 2016. The assignment-of-benefits abuse described here was a major driver of Florida’s insurance crisis; AOB was eliminated for property policies issued on or after January 1, 2023 under SB 2A, and Citizens has since reduced its policy count through depopulation. See our 2026 Florida Homeowners Insurance Guide for the current
Joshua Butts Quoted in ABC Action News Story on Citizens Insurance Rate Increases Read More »
