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SB 1148

My Safe Florida Home Program

2026 Regular Session Introduced by LaVon Bracy Davis

SB 1148 creates Florida's "My Safe Florida Home Program" to improve residential property safety and insurance accessibility through state-supported initiatives and incentive structures.

Introduced
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Bill Summary · SB 1148

Legislative bill overview

SB 1148 establishes the "My Safe Florida Home Program," which appears designed to address home safety and insurance accessibility in Florida. The bill was recently introduced and has been referred to committees handling banking, insurance, and appropriations matters. Based on the naming and committee referrals, it likely involves state programs or incentives related to residential property protection or insurance availability.

Why is this important

Florida faces significant challenges with property insurance availability and affordability, particularly in hurricane-prone areas. State interventions in this market can affect housing costs, insurance competition, and disaster preparedness for hundreds of thousands of homeowners. The program's structure and funding could influence whether homeowners can obtain affordable coverage and whether properties meet safety standards.

Potential points of contention

  • Cost and funding mechanism: How the program is funded (general revenue, surcharges, bonds) will affect whether it's viewed as efficient use of state resources or an unfair burden on taxpayers or specific industries
  • Eligibility and equity: Determining which homeowners qualify and whether the program adequately serves lower-income or underserved communities versus higher-value properties
  • Market impact on private insurers: Whether state intervention helps stabilize the insurance market or inadvertently discourages private competition and innovation in coverage options

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

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