The Latest news from FIRM

FIRM collects news, information and updates from trusted sources to ensure Monroe County residents have the resources they need to understand wind, flood and property insurance in the Keys.

What’s new from FIRM today?

FIRM collects news, information and updates from trusted sources to ensure Monroe County residents have the resources they need to understand wind, flood and property insurance in the Keys.

Previous news from FIRM

Windstorm Insurance fees and surcharges increase

Over the last several years, there has been an astronomical increase in fees by both brokers and carriers both in the surplus market and by Citizens. As the miscellaneous fees increase so do the surplus lines tax and service office fee as well. In one example a policy...

2024 Legislative overview

background Since 2003 Monroe County has paid Citizens Property Insurance Corporation over $850 million in premiums over claims, consistently seeing the highest rates in the state. In recent years, Citizens’ coverage limit has not kept up with the rising housing and...

FIRM Board President updates Monroe County Commissioners

Mel Montagne, president of the board of Fair Insurance Rates for Monroe, updated the Monroe County Board of County Commissioners on FIRM's 2023-24 projects and the recent Florida legislative session. Speaking before the commissioners on April 17, Montagne highlighted...

2023 Annual Report Executive Summary

While the property insurance crisis in Florida continues to trouble policyholders throughout the state, in 2023 FIRM took steps on behalf of the residents of Monroe County to strengthen important relationships, collaborate on meaningful legislation, and develop an...

What Property Insurance do I need in Florida?

Homeowners The policy known as HO3 insures the described owner-occupied dwelling, private structures in connection with the dwelling, personal property on and away from the premises, and loss of use. Personal liability coverage and medical payments coverage are also...

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FIRM PAC advocates directly and through its lobbyists in Tallahassee and Washington, D.C. Contributions to FIRM PAC are not tax deductible.

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Donate to Firm KEYS

FIRM KEYS supports education, research, preparedness and mitigation. Donations to FIRM KEYS may be tax deductible.

Get the insurance Guide

Read it online or download your copy. FIRM’s guide to wind, flood and property insurance is a great way to get started.

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