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HB 1045

My Safe Florida Home Program

2026 Regular Session Introduced by Daryl Campbell and 2 co-sponsors

Florida bill creates the My Safe Florida Home Program to enhance residential property safety and insurance accessibility, currently under committee review.

Now in Insurance & Banking Subcommittee
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WeVote Research Nonpartisan
Bill Summary · HB 1045

Legislative bill overview

HB 1045, the My Safe Florida Home Program, is a legislative proposal currently in early committee review stages in the Florida House. The bill was filed on January 6, 2026, and has been referred to both the Insurance & Banking Subcommittee and Commerce Committee for evaluation.

Why is this important

The bill's title suggests it addresses home safety or security issues affecting Florida residents, though specific provisions are not yet publicly detailed in available records. Given the bipartisan sponsorship and referral to insurance-related committees, it likely involves either insurance availability/affordability, property protection standards, or disaster preparedness—all significant concerns in Florida's hurricane-prone market.

Potential points of contention

  • Insurance market impacts: Depending on provisions, the bill could affect insurance rates, insurer participation in Florida's market, or coverage requirements—issues that divide consumer advocates and insurance industry stakeholders
  • Regulatory scope: Disagreement may emerge over whether homeowner safety requirements are voluntary incentives or mandatory standards
  • Cost allocation: Questions about who bears expenses for safety improvements (homeowners, insurers, or government) could create political friction

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

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