Floridians pay the highest home insurance prices in America because every family is made to pay a private insurer to carry hurricane risk. Jolly's proposal moves that risk into one strong, state-backed fund. Here is how it works, what it costs, and what it saves.

Hurricane and wind risk makes up 60 to 70 percent of a Florida homeowners insurance bill. David Jolly's plan creates one strong, state-backed hurricane fund to carry that risk, so private insurers no longer have to price it into your policy. The fund is built to a financially sound level and backed by reinsurance before it covers anyone, and it is paid for by making insurance companies pay the taxes they currently avoid, along with other revenue that does not put the burden back on homeowners. Based on Insure.com's Florida calculator, that is the difference between $7,136 a year and $2,557 for a $300,000 home: about $4,500 a year, a 64 percent savings.

And the rule that governs all of it: the costs will be lower for Floridians, or we won't do it.

Instead of forcing every Florida family to pay a private insurer to take on that enormous hurricane risk, Jolly's proposal does four things, in order.

Private insurers no longer have to price hurricane risk into your policy. That is where the 60 to 70 percent savings comes from. The rest of your policy stays private, competitive, and priced the way policies are in other states.

And in the end, the costs will be lower for Floridians, or we won't do it. Simple as that.

Our plan takes on Florida's affordability crisis in several ways. Let's start with housing and insurance.It dramatically lowers insurance premiums by creating a statewide catastrophic fund. It reduces monthly electric bills by capping utility company profits. It scales up workforce and affordable housing construction with down-payment assistance for first-time buyers. Our plan protects renters through expanded affordable housing programs and, to help condo owners cover special assessments, it offers no-interest state-backed loans. It's an actual plan, not an empty promise, to leave Florida families with more money at the end of each month.

No family should have to choose between insuring their home and keeping the lights on. Florida pays the highest homeowners' premiums in the country, and too many carriers have walked away, leaving people stranded. We will fight for a system that treats hurricane risk as the shared statewide challenge it is, so a single storm season doesn't decide whether you keep your house.

Jolly's model to fix homeowners insurance, in plain English. Hurricane and wind risk can make up 60–70% of a homeowners insurance bill. So instead of forcing every Florida family to pay private insurers to take on that enormous risk: Florida creates one strong, state-backed hurricane fund. We build that fund to a financially sound level and buy backup insurance for catastrophic storms. We fund it by making insurance companies pay the taxes they currently avoid, along with other revenue sources that don't put the burden back on homeowners. Private insurers no longer have to price that hurricane risk into your policy, which has the potential to cut homeowners insurance costs by 60–70%.

This will lower costs for Floridians. It can be funded through a mix of forcing insurance companies to pay the taxes they currently avoid, a fee on real estate transactions, or existing tourist taxes. The fund can be rolled out responsibly, with coverage becoming available after a fiscally sound amount of money is set aside and backup reinsurance is in place. The Legislature will be involved in creating the specific policies, including the funding.

David Jolly’s Plan to Cut Florida Homeowners Insurance by 60 to 70 Percent THE PLAN, IN PLAIN ENGLISH David Jolly's Plan to Cut Florida Homeowners Insurance by 60 to 70 Percent…

Our plan takes on Florida's affordability crisis in several ways. Let's start with housing and insurance.It dramatically lowers insurance premiums by creating a statewide catastrophic fund. It reduces monthly electric bills by capping utility company profits. It scales up workforce and affordable housing construction with down-payment assistance for first-time buyers. Our plan protects renters through expanded affordable housing programs and, to help condo owners cover special assessments, it offers no-interest state-backed loans. It's an actual plan, not an empty promise, to leave Florida families with more money at the end of each month.

You cannot fix a shortage by wishing it away, and Florida is short the homes its growing families need. We will invest in the tools that work, from workforce housing to real down-payment help for first-time buyers, so a nurse, a teacher, or a young couple can find a place they can afford. Building more is how we bring prices back within reach.

More than half of Florida renters now pay over 30 percent of income on housing. The plan scales workforce and affordable housing targeted near job centers, expands existing state housing programs, and caps utility profits to lower the monthly bills renters pay on top of rent.

Our plan takes on Florida's affordability crisis in several ways. Let's start with housing and insurance.It dramatically lowers insurance premiums by creating a statewide catastrophic fund. It reduces monthly electric bills by capping utility company profits. It scales up workforce and affordable housing construction with down-payment assistance for first-time buyers. Our plan protects renters through expanded affordable housing programs and, to help condo owners cover special assessments, it offers no-interest state-backed loans. It's an actual plan, not an empty promise, to leave Florida families with more money at the end of each month.

Electricity is not a luxury, and over-the-top profits for the biggest utilities should not come out of your monthly budget. Florida regulators have let investor-owned power companies earn some of the fattest returns in the nation while families ration the air conditioning in the summer heat. We will push to cap utility profits in line with the national average and put that money back where it belongs, in your pocket.

More than half of Florida renters now pay over 30 percent of income on housing. The plan scales workforce and affordable housing targeted near job centers, expands existing state housing programs, and caps utility profits to lower the monthly bills renters pay on top of rent.

Our plan takes on Florida's affordability crisis in several ways. Let's start with housing and insurance.It dramatically lowers insurance premiums by creating a statewide catastrophic fund. It reduces monthly electric bills by capping utility company profits. It scales up workforce and affordable housing construction with down-payment assistance for first-time buyers. Our plan protects renters through expanded affordable housing programs and, to help condo owners cover special assessments, it offers no-interest state-backed loans. It's an actual plan, not an empty promise, to leave Florida families with more money at the end of each month.

Electricity is not a luxury, and over-the-top profits for the biggest utilities should not come out of your monthly budget. Florida regulators have let investor-owned power companies earn some of the fattest returns in the nation while families ration the air conditioning in the summer heat. We will push to cap utility profits in line with the national average and put that money back where it belongs, in your pocket.

More than half of Florida renters now pay over 30 percent of income on housing. The plan scales workforce and affordable housing targeted near job centers, expands existing state housing programs, and caps utility profits to lower the monthly bills renters pay on top of rent.

Our plan takes on Florida's affordability crisis in several ways. Let's start with housing and insurance.It dramatically lowers insurance premiums by creating a statewide catastrophic fund. It reduces monthly electric bills by capping utility company profits. It scales up workforce and affordable housing construction with down-payment assistance for first-time buyers. Our plan protects renters through expanded affordable housing programs and, to help condo owners cover special assessments, it offers no-interest state-backed loans. It's an actual plan, not an empty promise, to leave Florida families with more money at the end of each month.

David Jolly's health care plan for Florida expands Medicaid to cover hundreds of thousands of uninsured Floridians and invests in more primary care clinics throughout the state so people can access care when and where they need it, regardless of income. Medicaid expansion can start within months once the Legislature approves it, with coverage beginning in the first year. Jolly proposes a five-year pilot to dramatically expand community health centers in every Florida county so care is available, not just coverage on paper.

Rural counties have been hit hardest by healthcare gaps. Jolly's plan scales community health centers in every county, including rural areas where private practices are unviable, and stabilizes rural hospital revenue by reducing uncompensated care through Medicaid expansion.

David Jolly is a former Member of Congress, attorney, and fifth-generation Floridian running for Florida Governor in 2026. His campaign focuses on historic homeowner's insurance reform, expanding primary healthcare services, and investing in community public schools. Jolly believes everyone deserves access to work, wages, and wealth, with rights protected and dignity celebrated regardless of background.

David Jolly believes public education should be Florida's foundation, not an afterthought. His plan focuses on paying teachers what they deserve, investing in school infrastructure and resources, and ensuring every child has access to strong public schools regardless of zip code. He argues Florida needs a public education renaissance, not abandonment, because strong public schools strengthen communities, support families, and build the workforce Florida's future depends on.

Jolly wants to dramatically increase teacher pay as part of a 10-year public education renaissance. He proposes redirecting Tourist Development Tax revenue (currently used for convention centers and tourism promotion) toward teacher pay and school infrastructure, which would require legislative change.

Jolly proposes expanding the allowed uses of Florida's Tourist Development Tax (over $1 billion per year statewide) to include teacher pay and school infrastructure. His framing: Florida doesn't have a crisis of convention centers, it has a crisis of public education.

Public schools have been inadequately funded in the state of Florida for decades. We need to dramatically increase investment in Florida's public schools to provide higher quality public schools in more neighborhoods, with more teachers who earn a more competitive salary. Schools in Florida's private school voucher program need to meet the same high standards as our public schools. Private schools that accept vouchers should be required to provide the same specialized services public schools provide and not charge additional tuition. The voucher program should be means-tested to ensure funding is provided for families with demonstrated economic need.

Public schools have been inadequately funded in the state of Florida for decades. We need to dramatically increase investment in Florida's public schools to provide higher quality public schools in more neighborhoods, with more teachers who earn a more competitive salary. Schools in Florida's private school voucher program need to meet the same high standards as our public schools. Private schools that accept vouchers should be required to provide the same specialized services public schools provide and not charge additional tuition. The voucher program should be means-tested to ensure funding is provided for families with demonstrated economic need.

Florida has one of the largest economies in the world, but it has been hindered by short-term political thinking. Florida should become a leading technology economy and invest in a renewed agriculture economy with a vision for the next century. We should continue to grow our tourist economy and should retain Florida's top talent while attracting the world's brightest minds and creators.

Across Florida, voters continue to use their vote to choose the direction of their state and their community. But Tallahassee politicians preempt the will of the voters based on selfish ideological whims. Direct democracy in Florida should be easier, not harder. Florida should respect home rule, and support the implementation of successful voter initiatives in communities across the state. Florida should make constitutional amendments easier for voters to place on the ballot, and if an amendment gets more than 50% of the vote, the Governor should fight to enact it on behalf of the people.