If you’re feeling shocked by your home insurance renewal, you’re not alone.

Home insurance premiums across the U.S. have climbed nearly 70% since 2021, and industry forecasts suggest another increase of around 16% by 2027. In Florida,  especially Central Florida and the Disney-area markets,  homeowners are feeling this pressure even more intensely.

As we head into 2026, one thing is clear: home insurance can no longer be a “set it and forget it” expense. The good news? There are smart, proactive ways to reduce costs without leaving yourself exposed.

Here’s what homeowners should be doing now.

Why Home Insurance Has Become So Expensive

Several factors are driving premiums higher:

• Rising construction and labor costs

• Increased storm, wind, and water claims

• Older roofs triggering underwriting issues

• Higher reinsurance costs passed on to consumers

In Florida, insurers are also scrutinising roof age, materials, and maintenance more aggressively than ever.

1. Shop Your Insurance,  Don’t Auto-Renew

The fastest and most effective way to reduce your premium is also the simplest: shop around.

Many homeowners unknowingly overpay by letting policies auto-renew year after year. Even small wording differences between insurers can result in meaningful savings.

✔ Get quotes from multiple carriers
✔ Review coverage language, not just price
✔ Ask specifically about roof, wind, and water exclusions

📌 Even switching providers every few years can lead to lower premiums without sacrificing protection.

2. Review Your Deductible, Carefully

Raising your deductible can reduce your monthly premium, but this strategy only works if you’re financially prepared.

When you increase your deductible, you’re agreeing to pay more out of pocket if something goes wrong. That can be manageable, or disastrous, depending on your emergency reserves.

Ask yourself:

• Could I comfortably cover this deductible after a loss?

• Would a claim financially set me back?

If the answer is no, a lower deductible may be worth the higher premium.

3. Don’t Assume Bundling Is Always Cheaper

Bundling home and auto insurance can save money, but not always.

Some homeowners actually get better pricing by:

• Keeping auto insurance with one provider

• Shopping home insurance separately

The key is comparison. Never assume one approach is best without running the numbers.

4. Update Your Policy When You Become Eligible for Discounts

Many homeowners miss discounts simply because they don’t ask.

You may qualify for savings if you:

• Install or upgrade a security system

• Add impact-rated features

• Improve roof condition or materials

• Join professional or safety certification programs

Important: You don’t need to wait until renewal. Many discounts can be added mid-policy.

5. Roof Condition Matters More Than Ever

In Florida, roof age can make or break insurability.

If your roof is:

• Over15 years old

• Original to the home

• Showing signs of wear

…you may face higher premiums, limited coverage, or non-renewal it it's over 15 years.

In some cases, a roof replacement can actually lower overall housing costs when you factor in insurance savings and resale value.

6. Look Beyond Price,  Coverage Gaps Can Cost More Long-Term

The cheapest policy isn’t always the safest.

Make sure you understand:

• What’s excluded

• Your coverage limits

• Water, mold, and wind protections

• Actual cash value vs replacement cost

Being underinsured can be far more expensive than paying a slightly higher premium.

Final Thoughts

With insurance costs rising at historic levels, homeowners who stay proactive will be in the strongest position going into 2026.

✔ Review your policy
✔ Shop rates regularly
✔ Make strategic home upgrades
✔ Understand what you’re truly covered for

A little effort now can lead to thousands saved over time and far fewer surprises.

Need Help Navigating Insurance, Upgrades, or Selling Strategically?

Michelle Baydemir
Broker/Owner – Vacay & Co Real Estate
📧 [email protected]
📞 321-333-1338
🌐 www.vacayreflorida.com

Your Disney area property resource!