Florida homeowner's insurance rates are going up about 30% per year. For all Florida homeowners it is getting harder each year to find and pay for coverage. If your home is more than 20 or 30 years old it is even more difficult.  If you ask a typical Florida politician they will blame increased rates on Florida homeowners. Who they say overload the courts with fraudulent claims. While Floridians do file significantly more claims than homeowners in other states they do so because Florida homes are subject to significantly more dangerous conditions than homes in other states. For instance, high winds, heavy rains and flooding, hurricanes, lightning, tornadoes, you name it the list goes on and on. Florida politicians have always taken up the corporate insurer talking points and blamed fraudulent claims for the rise in premiums. However, when you look at the numbers it leaves you seriously doubting this corporate messaging. For instance, Universal property is Florida's largest insurer and has written more than 500,000 policies and profited ore than $1 billion dollars off of those policies in 2020. Moreover, their business significantly rose in 2021 so I expect their profits to increase in 2021. In my opinion the real issue is that big business in the modern world is about dictating their profits through price gouging. The myth of free markets is just that, a myth. Big corporations, such as homeowner's insurance companies come into a market like Florida and set their profit numbers in advance. They figure out their profits and just raise prices until they get reach that goal because the laws of the state allow them to do and because that is how business is really done. So how does Florida fix their homeowner's insurance system? The is a difficult question that will take the expert opinions of a number of people who preferably not politicians or work for the insurance industry.