Florida Democratic Party Marks the Beginning of the Legislative Session with 2026 Affordability Agenda

Today marks the start of Florida’s 2026 Legislative Session. Florida Democratic Party Chair Nikki Fried released the following statement:

“This session begins with a clear choice: continue down a path of political distractions and special-interest giveaways, or fight for a Florida that working families can actually afford.

Florida Democrats are choosing to fight, legislate, organize, and vote for an affordable Florida. I’m proud of the Democratic members of the House and Senate for putting forward the 2026 Affordability Agenda, a comprehensive plan to confront the cost-of-living crisis squeezing families across our state. 

At a time when Floridians are struggling with skyrocketing property insurance rates, housing costs, and everyday expenses like groceries, this agenda delivers real solutions, including financial assistance, targeted tax relief, and strong consumer protections to hold powerful interests accountable. (See full list of bills below)

We urge lawmakers and the press not to take the bait of culture wars and partisan theatrics. Floridians can’t afford distractions. In his final session, the governor has again refused to fight for everyday people, choosing instead to funnel taxpayer dollars to cronies through sweetheart deals, undermine public education, and prioritize special interests over our communities.

Democrats are focused on what matters: lowering costs, protecting homeowners, and ensuring every family has a fair shot at stability and opportunity. We call on the Legislature to do right by the 23 million Floridians who deserve a Florida they can afford.”

SB 30 by Senator Barbara Sharief (click here for full bill text)

Prohibits property insurance rate increases of more than 10% to 15%; empowers the Consumer Advocate to request administrative hearings, administer oaths, and issue subpoenas.

SB 78 by Senator Rosalind Osgood (click here for full bill text)

Permanently eliminates taxes on impact-resistant doors, garage doors, and windows.

SB 84 by Leader Lori Berman (click here for full bill text)

Creates the Insurance Solutions Advisory Council, which will analyze and compile data on Florida’s property and auto insurance market and submit an annual report with recommendations to the Legislature and the Governor.

SB 108 by Senator Tina Polsky (click here for full bill text)

Helps Floridians avoid costly litigation by requiring mediation for disputed property insurance claims.

SB 128 by Senator LaVon Bracy Davis (click here for full bill text)

Requires an insurance company to notify a homeowner of the right to an inspection before nonrenewing due to the age of the home’s roof; requires an insurer to reimburse the homeowner if such inspection shows that the roof has 5 years or more of life left.

SB 140 by Senator Darryl Rouson (click here for full bill text)

Gives increased whistleblower protections for employees and contractors of insurance companies who disclose unethical or illegal conduct.

SB 160 by Senator Tracie Davis (click here for full bill text)

Creates a $500 million trust fund to provide financial assistance to homeowners facing property insurance rate increases. 

SB 230 by Senator Carlos Guillermo Smith (click here for full bill text) 

Requires claim of “trade secrets” by insurers to include justification; specifically provides that financial information used to justify rates is not a trade secret 

SB 234 by Senator Carlos Guillermo Smith (click here for full bill text) 

Requires detailed accounting and justification for fees paid by insurers to affiliates and managing general agents.

SB 366 by Senator Mack Bernard (click here for full bill text)

Directs the Commissioner of Insurance Regulation to initiate and enter into a compact with at least 14 other states establishing a national catastrophic risk pool for property insurance.

SB 472 by Senator Shevrin Jones (click here for full bill text)

Creates the TRUMP (Tariffs Result in Untimely Money Problems) Fund to provide grants to offset rebuilding or improvement cost increases due to tariffs.

Previous Affordability Agenda bills can be viewed here.