{"version":"1.0","type":"card","id":"a67a8eaa-7858-4ce1-a958-e8e04724075b","url":"https://stacklist.com/card/a67a8eaa-7858-4ce1-a958-e8e04724075b","title":"Big Changes for Florida Insurance in 2026","source_url":"https://jaredjones.com/2026/03/13/florida-insurance-2026/","note":"For the first time in years, Florida's property insurance market is moving in more than one direction. Citizens Property Insurance — the state-backed insurer of last resort — approved an 8.8% average rate cut for 2026, its first meaningful personal lines decrease since 2015, while its policy count dropped from a peak of 1.42 million in late 2023 to roughly 336,000 by early 2026. Since the 2022 and 2023 legislative reforms, 17 new private insurers have entered the Florida market and 27 carriers filed for rate decreases in 2025. For Northeast Florida buyers who've been factoring worst-case insurance costs into their budget, the direction of the market has meaningfully shifted — though premiums remain historically elevated and shopping your policy annually still matters.\n","image":{"url":"https://ucarecdn.com/532094a7-b077-4b73-830f-248809b368de/-/preview/-/resize/1200x/-/quality/best/-/format/webp/","alt":"Big Changes for Florida Insurance in 2026","width":1024,"height":1024},"stack":{"id":"8f1d05d1-5979-4069-bc55-2a1d0760ee44","title":"What Home Buyers in Northeast Florida Need to Know","url":"https://stacklist.com/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44"},"created_at":"2026-06-01T14:33:45.721Z","updated_at":null,"aco":{"summary":"Florida Insurance Updates for 2026 provides information about upcoming changes and regulatory updates affecting insurance policies and coverage in Florida. The content appears to be a header or introductory section related to modern insurance policy adjustments for the year 2026.","tags":["florida-insurance","2026-updates","insurance-policy","regulatory-changes","compliance"],"key_entities":[{"name":"Florida","type":"location","confidence":0.99},{"name":"Jared Jones","type":"person","confidence":0.85},{"name":"2026 Insurance Updates","type":"event","confidence":0.9}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-06-01T14:33:54.114Z"},"token_counts":{"approximate":9,"cl100k":7},"content_hash":"sha256:11d4fe31eea3641a90ca877d0a95f82dcc708dda8e8a4abf518cb981449dee50","acp_version":"0.2","body_available":true,"body_tokens":9,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/a67a8eaa-7858-4ce1-a958-e8e04724075b.json","html":"https://stacklist.com/card/a67a8eaa-7858-4ce1-a958-e8e04724075b","md":"/api/public/card/a67a8eaa-7858-4ce1-a958-e8e04724075b.md","stack_json":"/api/public/stack/8f1d05d1-5979-4069-bc55-2a1d0760ee44.json"}}