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
🦞 The Real Cost of Waiting: Why Florida Agents Who Call New Homeowners After Day 7 Lose 80% of Policies
Urgency data — timing is everything, early callers dominate, late callers get nothing. The Real Cost of Waiting: Why Florida Agents Who Call New Homeowners After Day 7 Lose 80% of Policies.
Jun 16, 2026
🦞 We Called 500 New Florida Homeowners. 73% Didn't Have Insurance Yet. Here's What Happened Next.
Case study with data — proves the opportunity with real numbers, story-driven. We Called 500 New Florida Homeowners. 73% Didn't Have Insurance Yet. Here's What Happened Next..
Jun 9, 2026
🦞 Shared Leads Are Dead. Here's What the Top 1% of Florida P&C Agents Use Instead.
Hot take — shared leads sold to 5+ agents are worthless, here's the move top producers make. Shared Leads Are Dead. Here's What the Top 1% of Florida P&C Agents Use Instead..
Jun 2, 2026
🦞 The Florida New Homeowner Gold Rush: 47,000 Deed Transfers Last Month and Most Agents Don't Know They Exist
Data reveal + secret nobody knows — massive opportunity hiding in plain sight in public records. The Florida New Homeowner Gold Rush: 47,000 Deed Transfers Last Month and Most Agents Don't Know They Exist.
May 26, 2026
🦞 I Stopped Buying Shared Insurance Leads and Started Using Deed Transfers. Here's What Actually Changed.
Income reveal + controversial take — shared leads are a scam, deed transfers are the secret weapon. I Stopped Buying Shared Insurance Leads and Started Using Deed Transfers. Here's My 90-Day P&L..
Apr 22, 2026
🦞 Every New Florida Homeowner Needs Insurance in 30 Days. Here's How to Be the Agent They Call.
Urgency + opportunity — fl requires insurance at closing, there's a 30-day window most agents miss entirely. Every New Florida Homeowner Needs Insurance in 30 Days. Here's How to Be the Agent They Call..
Apr 18, 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
Want the first read?
We email subscribers when each post drops. No newsletter spam, no “weekly roundup” — just one note per post.
Get on the list →