Insurance

In 2026, the Florida insurance market is finally seeing a "reset." After years of volatility, the market has stabilized thanks to legislative reforms, with over 17 new carriers entering the state and major providers actually filing for rate reductions.

For Central Florida homeowners, this means you are no longer stuck with limited options. Whether you are navigating a Citizens Insurance transition or simply looking to lower your monthly overhead, Quality Real Estate Services LLC (QRES) provides the local expertise to help you secure the best coverage at the most competitive price.

Navigating the 2026 Florida Insurance Landscape

The insurance crisis of the past few years has been met with significant reform, leading to a much healthier market for homeowners in Orlando, Lake Mary, and Casselberry. We are seeing a shift where private insurers are actively competing for your business again, offering more comprehensive coverage and lower premiums than the "insurer of last resort."

If you have received a Citizens Depopulation letter, you are not alone. This program is designed to move stable risks back into the private market. At QRES, we help you analyze these "take-out" offers. If a private carrier offers you a rate within 20% of your Citizens renewal, Florida law requires the move. we ensure that when you switch, you are getting the best possible terms and the most reliable carrier for your specific neighborhood.

How We Help You Save: The Power of Mitigation

The most effective way to lower your insurance costs in 2026 isn't just switching companies; it’s hardening your home against the elements. Florida law mandates that insurance companies provide "Mitigation Credits" for homes that prove they can withstand high-wind events.

• Wind Mitigation Inspections: This is the #1 way to slash your premiums. We document your roof's shape, its attachment to your walls, and the strength of your windows and doors. A passing report can often trigger annual savings of 20% to 40%.

• 4-Point Inspections: For homes over 20 years old, this report is the "Golden Ticket" to insurance eligibility. We inspect your Roof, Electrical, Plumbing, and HVAC systems to ensure they meet modern underwriting standards. By identifying issues before the insurance company sees them, we prevent denials and keep your closing on track.

Protect Your Home and Your Budget

Don’t wait for your next renewal to find out you’re overpaying. Let’s take a look at your current policy and see if the new 2026 rate reductions can work in your favor.

• [Get a Home Insurance Quote] to compare private Florida carriers.

• [Schedule a 4-Point & Wind Mitigation Bundle] to maximize your premium credits.

• [Consult with us] to discuss your options.