The Florida insurance market is facing a crisis unlike anything in recent memory, primarily driven by the aftermath of back-to-back hurricanes like Helene and Milton. These catastrophic storms caused widespread damage across the state, with insured losses from Hurricane Helene alone estimated between $3 billion and $6 billion. These events have placed significant financial pressure on insurers, resulting in skyrocketing premiums, limited coverage options, and even the withdrawal of some carriers from the Florida market. Compounding the problem is an increase in fraudulent claims and lawsuits, which have further destabilized the market and driven up costs for consumers. For many homeowners, finding affordable, reliable coverage has become a daunting challenge in this volatile environment.

At East Bay Insurance, we’re uniquely positioned to help clients navigate this crisis with confidence and clarity. As an independent, family-run agency with more than five decades of experience, we’ve cultivated strong relationships with a diverse network of elite insurance carriers. This gives us the flexibility to compare options and secure coverage tailored to your needs, even in the toughest market conditions. Our team understands the intricacies of Florida’s insurance landscape and can guide you through the process of finding comprehensive protection for your home, business, or personal assets. While others may struggle to adapt, our legacy of reliability, expertise, and community commitment ensures that you have a trusted partner by your side during these uncertain times.