1 rich Libsyn https://www.libsyn.com 90 600 Florida insurance has been a rollercoaster. Today we dig into what actually changed for 2025—and where homeowners and investors can still save—without getting burned by the fine print. In this episode with Adam Tally (Tally Insurance): Which carriers are back and why some premiums have flattened or dipped Reinsurance 101 (and why Bermuda comes up) ACV roof schedules: how they really pay out Citizens depop &amp;amp; “insurance exchanges” (what you’re signing) Short-term rental (Airbnb) coverage vs. long-term rentals Flood vs. wind claims, FEMA basics, and the 30-day wait Auto: why some rates are easing (Travelers, Progressive, Geico) Smart shopping timing &amp;amp; the exact questions to ask your agent Chapters 00:00 Intro &amp;amp; studio catch-up 02:15 State of Florida homeowners market in 2025 06:48 Reinsurance layers &amp;amp; why they matter 10:55 Are premiums really going down? Where—and where not 13:30 New builds vs. older homes: rating differences 16:05 Citizens depop &amp;amp; insurance “exchanges” explained 20:12 ACV roof schedules: what you’ll actually get paid 24:00 Short-term rentals: underwriting &amp;amp; cost realities 29:35 Flood vs. wind: claims, FEMA, and timing 33:10 Auto insurance trends: who’s competitive now 37:20 How to shop your policy without downgrading coverage 42:10 Local spotlight: Bourbon Ball, Oct 17—Tampa Garden Club 45:45 How to reach us + wrap Need help with insurance or real estate? Call/Text and we’ll connect you with our vetted pros. Subscribe for weekly Tampa real-estate + money-smart living updates. Tampa Home Talk Radio https://sites.libsyn.com/88548/site <iframe title="Libsyn Player" style="border: none" src="//html5-player.libsyn.com/embed/episode/id/38494335/height/90/theme/custom/thumbnail/yes/direction/forward/render-playlist/no/custom-color/88AA3C/" height="90" width="600" scrolling="no" allowfullscreen webkitallowfullscreen mozallowfullscreen oallowfullscreen msallowfullscreen></iframe> https://assets.libsyn.com/secure/item/38494335