In this essential episode of Tampa Home Talk, host Katrina Madewell sits down with Dave Casselwitz from Most Insurance to unpack the surprising news: insurance rates are starting to decrease in Florida—yes, really! From homeowners and auto insurance to flood coverage and teen drivers, we explore what’s changing in 2025, why rates are shifting, and what this means for your wallet. We break down flood zone reclassifications, Citizens Insurance updates, teen driver strategies, and how to avoid costly insurance mistakes. Plus, Dave shares real-life scenarios and insider tips to help you stay protected without overpaying. If you're a Florida homeowner or thinking about buying, this is one episode you can't afford to miss!

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