Overview
- Senate Democrats unveiled a six-bill 'Affordability Agenda' featuring SB 30, 78, 84, 108, 128 and 140 to cap annual rate hikes, require mediation before lawsuits, protect against roof-age nonrenewals, expand whistleblower safeguards, create an Insurance Solutions Advisory Council and make permanent sales-tax breaks for impact-resistant upgrades.
- Democratic senators also floated broader ideas such as stronger oversight and fee caps on managing general agents and a $500 million emergency fund to help struggling homeowners, proposals that would face an uphill path in the Republican-controlled Legislature.
- Gov. Ron DeSantis and House leaders are pursuing a constitutional property-tax overhaul for the November 2026 ballot, with options under discussion ranging from higher homestead exemptions to eliminating homestead property taxes for residents and a House committee preparing proposal language.
- Democratic leaders warn sweeping tax cuts could undercut funding for schools, first responders and rural counties, while DeSantis says the state can shield all 32 fiscally constrained counties from losses.
- Republican leaders and industry groups argue earlier insurance-law changes are improving the market and should be allowed to take effect, but Democrats counter that homeowners cannot wait as average premiums hover around $3,800 a year.