Texans for Lawsuit Reform announced that recent legal system reforms in Florida significantly reshaped the state’s homeowners insurance market. The group said the changes led to 17 new insurers entering the market and a reduction of roughly one million policies in the state-run Citizens Property Insurance Corporation.
In a post on X, Texans for Lawsuit Reform said: “Florida fixed its legal system leading to 17 new home insurers entering the market. The state saw 1 million fewer policies in the state-run insurer. Competition returned and stability followed.”
The group added that Texas should consider similar reforms to restore market stability.
The organization noted that Florida’s experience offers lessons for California, where legal system abuse continues to drive up homeowners insurance costs and destabilize the market.
The Insurance Information Institute has called for tort reforms modeled on Florida’s approach, which successfully attracted new insurers and reduced reliance on state-run coverage.
Florida officials report that tort reform reduced Citizens Property Insurance’s policy count by 50%, the lowest level in 14 years. A statewide average premium reduction of 8.7% for Citizens policyholders is scheduled to take effect in spring 2026, with more than 330,000 policyholders receiving lower rates and over 150,000 seeing reductions of 10% or more.
Texans for Lawsuit Reform, founded in 1994, is a volunteer-led organization advocating for a fair and balanced civil justice system. The group works to foster freedom, innovation, and job creation by discouraging abusive lawsuits that drive up costs and has helped pass transformative tort reform bills that benefit consumers and the economy.
