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Poukisa prim asirans nan Florid ap monte si to yo ap desann?

Poukisa prim asirans nan Florid ap monte si to yo ap desann?

USA TODAY Network reporter Clayton Park recently tackled a question many Florida homeowners continue to ask: why insurance premiums may increase even when reported rates begin to decline.

The article explains that a homeowner’s premium is influenced by factors beyond rates, including the home’s location, age, construction features, and the rising cost of rebuilding due to higher labor and material prices. It also explores how reinsurance — essentially insurance for insurance companies — plays a significant role in Florida’s property insurance market and affects overall policy costs.

Security First Insurance President Melissa Burt DeVriese contributed expert insight, noting that insurers evaluate risk on an individual home basis rather than spreading coastal risk across inland properties. She also highlighted how increased replacement costs can drive higher premiums, even when the underlying rate per thousand dollars of coverage declines.

➡️ Li atik la plen:
The Gainesville Sun: Why are Florida insurance premiums going up if rates are going down?
(Ou ka bezwen yon abònman pou jwenn aksè nan atik konplè a.)

Kontni ki sou paj sa a se pou rezon enfòmasyon sèlman epi li pa ta dwe entèprete kòm konsèy legal oswa pwofesyonèl ditou. Nenpòt opinyon, pwen de vi, ak deklarasyon ki eksprime nan kontni sa a se sèlman sa yo ki nan otè endividyèl la oswa kontribitè a epi yo pa nesesèman reflete pwen de vi, opinyon, oswa pozisyon ofisyèl Security First Insurance Company. Nou pa fè okenn deklarasyon, garanti, oswa garanti, kit se eksprime oswa enplisit, konsènan presizyon, konplè, fyab, konvenyans, oswa disponiblite kontni sa a. Anplis de sa, nou pa andose, apwouve oswa garanti okenn lyen twazyèm pati entegre oswa lòt materyèl. Nenpòt konfyans ou mete nan kontni, lyen oswa materyèl sa yo se estrikteman sou pwòp risk ou. Tanpri gade Seksyon 7 nan dokiman nou yo. Tèm itilizasyon pou plis enfòmasyon. Nenpòt kopye, repwodiksyon, oswa lòt distribisyon kontni paj sa a entèdi fòmèlman.