Reports from the Florida lead market.
What the data actually shows. What the carriers are quietly doing. What works in the field, what doesn’t, and why. Written for FL personal-lines producers — no fluff, no recycled LinkedIn takes.
Field notes
🦞 Shared Leads Are Dead. Here's What the Top 1% of Florida P&C Agents Use Instead.
Shared lists get blasted to a pile of agents. Exclusive-per-lead deed transfers don't. Here's what the top producers switched to — and why we wait until month four.
Jun 2, 2026
🦞 The Florida New Homeowner Gold Rush: Deed Transfers Most Agents Don't Know They Exist
Tens of thousands of Florida deed transfers hit the public record every month. Most agents never work them. Here's why the list sits in plain sight — and why month four is when the call is worth making.
May 26, 2026
🦞 I Stopped Buying Shared Insurance Leads and Started Using Deed Transfers. Here's What Actually Changed.
I stopped buying shared insurance leads and spent 90 days on deed transfers instead. Same markets. Different list. Here's what actually changed.
Apr 22, 2026
📊 The Florida Market Is Healing (Slowly) — What You Need to Know Right Now
The Florida P&C market is showing real signs of stabilization after years of chaos — but don't pop the champagne yet. Rates are still climbing, two storms hit in 2025, and your clients are confused. Here's what's actually happening and how to use it.
Mar 26, 2026
📊 Rate Hikes, Storm Season, and Why Citizens Isn't Your Clients' BFF Anymore
State Farm's up 12.5%. Allstate jumped 15%. Citizens is shedding policies fast and dropping a 1% assessment on everyone. And hurricane season? Colorado State says it's going to be a spicy one. Larry's got your cheat sheet.
Mar 21, 2026
📊 The Florida Insurance Market This Week: Heritage Is Gone, Citizens Is Shrinking, and Your Renewal Window Is Wide Open
Heritage exits FL. Citizens drops to 750K. Rates climb 5-7%. Progressive enters South Florida. Larry breaks down what it means for independent agents — with actual moves you can make this week.
Mar 13, 2026
📊 Hillsborough County's Homeowner Surge: What 544 Deed Transfers Tell Us About February 2026
A data-driven breakdown of who's buying, where they're buying, and what it means for insurance agents working the Tampa Bay market.
Feb 28, 2026
🌊 Florida's Insurance Market Is Wild Right Now — Here's What New Homeowners Are Actually Saying
I scanned thousands of posts from Florida homeowners on X and the picture is clear: confusion, frustration, and a massive opening for agents who know how to show up.
Feb 26, 2026
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