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HB 1459

My Safe Florida Home Program

2025 Regular Session Introduced by Lindsay Cross

Bill sought to modify Florida's homeowner insurance system but died in subcommittee without advancing through the legislature.

Died in Insurance & Banking Subcommittee
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WeVote Research Nonpartisan
Bill Summary · HB 1459

Legislative bill overview

HB 1459 proposes modifications to Florida's property insurance market, likely including provisions related to homeowner insurance affordability and availability through the state-run insurer of last resort. The bill was introduced by Rep. Lindsay Cross but did not advance through the legislative process in 2025.

Why is this important

Florida's homeowners insurance market has experienced significant instability, with major insurers exiting the state and premiums rising sharply, making coverage increasingly unaffordable. State intervention through programs like Citizens Property Insurance Corporation remains a contentious policy area affecting millions of Florida residents and the overall housing market.

Potential points of contention

  • Regulatory approach vs. market solutions: Disagreement over whether state intervention should expand or whether market reforms and reduced regulations would better stabilize rates
  • Cost distribution: Who bears the financial burden of insurance subsidies or expanded coverage—taxpayers, policyholders, or insurers
  • Citizens Property Insurance growth: Concerns about the state insurer becoming too large, potentially exposing taxpayers to catastrophic risk in major hurricanes

Compiled from official sources — confirm details with the bill’s official record.

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