The American Property Casualty Insurance Association (APCIA) says some of its top priorities for the 2026 Florida Legislative Session center around the use of AI and to make sure the tort reform laws passed in 2022-2023 remain intact.
“Florida’s property insurance market is experiencing strong growth and stability, with improved affordability for policyholders, thanks to the legal system abuse reforms that were passed by the Legislature and signed into law by Governor DeSantis,” said APCIA.
The Insurance lobby says several key areas are showing signs of an improving market.
Rates are stabilizing with many companies decreasing rates. Seventeen new insurers have entered the market to offer coverage.
Personal homeowners insurance litigation is down and Citizens Propety Insurance is reducing premiums by an average of 8.7% statewide and its policy count is at its lowest level in 14 years.
“At a time when overall affordability issues remain a concern for Floridians, lawmakers and Governor DeSantis delivered real results with their decisive policies that led to the market’s remarkable turnaround,” said Chase Mitchell, assistant vice president of state government relations at APCIA.
Some GOP lawmakers who supported the reforms in 2022-2023 have quietly been discussing whether legislation went too far against the Trial Lawyer industry and maybe some of the current laws need to be scaled back.
But APCIA says it’s necessary to keep the legal system abuse reforms in place to sustain this positive momentum and enable Floridians to enjoy lower prices and more coverage options as the market continues to improve.
APCIA says another agenda item they will oppose is the repeal of Florida’s no-fault auto insurance law known as PIP.
The group says any repeal of Florida’s no-fault auto insurance system will likely lead to higher auto insurance costs for those who can least afford it and could increase the number of uninsured motorists on Florida’s roads.
