Home insurance renewal gone up? Don't accept it before you've seen the market.
Filed rates in Florida have started falling, yet plenty of renewals still land higher. Before you accept the new premium, upload your renewal and let a licensed agent review what changed and shop it across multiple Florida carriers. The review is free.
Quoting across Florida carriers including
Truscott insurance assistant
Ava is an AI assistant. A licensed Florida agent personally reviews every request.
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Why renewals are still arriving high
Four things happening in Florida's market right now, and why your renewal deserves a look before you accept it
Filed rates turned before renewals did
Florida's insurance regulator counted 73 homeowners rate-decrease filings and 94 zero-increase filings as of November 2025, and Citizens approved an 8.7 percent average statewide decrease for spring 2026 renewals. Renewals lag those filings, so many still arrive higher.
Same carrier, different policy
A renewal can change more than the price. Deductibles, roof payment schedules moving from replacement cost toward actual cash value, and endorsements like water backup or ordinance or law can all shift, and the packet won't highlight what's different.
Your renewal is a shopping moment
You're free to renew, and just as free to buy from any Florida-licensed carrier. Starting 30 to 60 days before your date leaves time to compare coverage line by line and bind a replacement if you choose one.
Escrow doesn't lock you in
If your premium is paid through escrow, your mortgage servicer pays whichever carrier your declarations page names. Switches are routine: the new declarations page goes to your servicer, and unearned premium from the old carrier is typically refunded.
See what your report looks like
Here's a preview of the plain-English analysis you'll receive
Premium Change
Current premium: $4,120/yr
Renewal offer: $4,975/yr ⚠
Filed rate trend for your county: flat to falling
Coverage Changes
Roof payment: replacement cost → ACV schedule ⚠
Water backup: $10K → not included ⚠
All-perils deductible: $1,000 → $2,500 ⚠
Credits Worth Checking
Wind mitigation form on file: 2019, may be stale
Roof documentation: not on file
Potential credits: inspection-dependent
Your Market Options
Quotes requested from 4 Florida carriers
Coverage lined up against your current policy
Options in hand before your renewal date
Illustrative sample with example figures, not real policy data. Renewal outcomes vary; your review is built from the documents you upload.
What you'll get
Every analysis includes these four sections
Renewal vs. Current Policy Comparison
This year lined up against last year in one clear view: premium, limits, deductibles, and endorsements side by side.
What Actually Changed
Catch the coverage changes renewals don't highlight: deductibles, roof payment terms moving toward actual cash value, and endorsements that quietly dropped off.
Market Context in Plain English
What Florida's filed rate decreases do and don't mean for your renewal. Context from the sources we cite, never a prediction.
Quotes Before You Accept
A licensed agent shops your home across multiple Florida carriers before your renewal date, so renewing is a choice instead of a default.
How it works
Three simple steps to understanding your policy
Tell Ava where you are
Renewal notice in hand, or still waiting on it. Start the chat at the top of this page: Ava adjusts either way, and you can type your own questions at any point.
Upload your renewal and current policy
Drop both in, a photo or a PDF of each, and Ava reads them and fills in your details for you. Both uploads are optional. No notice yet? Just leave your renewal date.
A licensed agent reviews and shops
A licensed Florida agent lines up what changed in plain English and shops your home across multiple Florida carriers before your date, so renewing is a decision, not a default.
One renewal offer is not the market.
Your renewal shows one carrier's price for the coming year. As an independent agency we quote a range of Florida carriers, so you can see how that offer stacks up before you accept it. Tell us about your home and we'll shop it across our markets and get back to you before your date.
Request quotes from multiple Florida carriersCarrier names and logos are trademarks of their respective owners, shown for identification only. Truscott is an independent agency and is not affiliated with or endorsed by any carrier shown or by Citizens Property Insurance Corporation.
A licensed Florida agency, not a lead-generation site
Quote-comparison websites resell your contact details to multiple agents. We don't. One licensed Orlando agency reviews what changed at your renewal and shops your options, and your number is never sold.
Who it's for
Your privacy matters
We built Truscott to protect you -- including from us.
Truscott provides AI-generated insurance policy summaries for informational purposes only. Our analyses do not constitute insurance advice, legal advice, or coverage guarantees. Always consult a licensed insurance professional or attorney for specific coverage questions or claims decisions.
Truscott Inc., d/b/a Truscott Insurance Solutions, is an independent Florida-licensed insurance agency (FL agency license L136441) and is not affiliated with or endorsed by Citizens Property Insurance Corporation or any carrier. Renewal outcomes vary; nothing on this page guarantees a premium, savings, eligibility, or coverage. Filed-rate statistics are market-level facts from the Florida Office of Insurance Regulation and Insurify as cited, not a prediction of any individual premium, which is set by your carrier's rates as filed with and approved by Florida regulators. Carrier names and logos are trademarks of their respective owners, shown for identification only.