Homeowners Insurance Florida - How Hard Is It To Get in 2026?
Homeowners Insurance Florida - How Hard Is It To Get in 2026? If you’re buying a home in Southwest Florida right now, there’s one question that can derail your entire purchase faster than a failed inspection: can you actually get homeowners insurance? It’s a fair question. Florida has spent the last several years in the grip of a full-blown insurance crisis that drove premiums to record highs, forced dozens of carriers out of the state, and left hundreds of thousands of homeowners scrambling for coverage. But here’s the good news heading into 2026 — the market is finally stabilizing, and getting homeowners insurance in Florida is becoming more manageable than it’s been in years. That doesn’t mean it’s easy. Especially in Southwest Florida communities like Cape Coral, Fort Myers, Naples, and the barrier islands, there are still real challenges. Your roof age, your proximity to the Gulf, your flood zone, and even your credit score all play a role in whether an insurer will write your p...