Florida’s insurance market is finally turning a corner—and that matters for your wallet.Across the state, new insurers are entering the market, competition is increasing, and many homeowners and drivers are already seeing real rate reductions.Major carriers are reporting average homeowner savings of 5–8%, with even bigger relief projected at upcoming renewals.Auto insurance is improving too, with loss ratios dropping and insurers cutting rates for thousands of Florida drivers.These changes didn’t happen by chance—recent reforms are stabilizing the system and driving long-term savings.But here’s the key: not everyone automatically benefits unless their policy is reviewed and positioned correctly.If you want to know whether you’re overpaying or missing out on these savings, now is the time—call me and let’s review your options together.
 
From beachfront getaways to income-producing investments, the Florida Keys offer rare oppom ...

As we wrap up 2025, this chart tells a very encouraging story when compared to 2024. Across the Keys, we saw increased activity, stronger sales volume, improved pricing stability, and healthier overall market conditions. All great signs that the market has found its footing and is moving in the right direction.

Even better, the early indicators for the upcoming season are extremely positive. We are forecasting a very strong 2026 season with continued momentum and renewed buyer confidence.

If you are thinking about buying, selling, or simply want to understand what this means for your property’s value, I am always happy to connect. And as always, referrals are sincerely appreciated. If you know anyone considering making a move in the Keys, please send them my way.
Lela Ashkarian
305-395-0814
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A Cooling National Market
Imagine if, during a school bake sale last year, everyone rushed to buy cookies as soon as they were put out. Prices went up quickly because demand was high and there weren’t many cookies to go around. That was the U.S. housing market in 2024. Now, in 2025, things have calmed down. Between January and August, the price of the typical home across the country rose by only half as much as it did the year before. In fact, by August, the median (or middle) sale price was only 2–3% % higher than it was in August of last year. That’s like if your favorite candy bar costs $3 this year instead of $2.94 last year – you’d notice the increase, but it isn’t huge.
Why are things slowing down? Partly because there are more houses for sale and buyers are being more careful. High mortgage rates have made monthly payments more expensive, which makes some people wait. With more “for sale” signs popping up and fewer eager buyers, ; ...

Pricing Reality Check: Why Smart Pricing Sells Homes Faster in the Florida Keys
The Florida Keys are a dream destination for many buyers, but sellers sometimes let that dream turn into unrealistic pricing expectations. If you own a Keys property worth around $1 million and you’re tempted to list it at $1.3 million or more just to “see what happens,” this article is for you. Market data from early 2025 shows that overpricing doesn’t just delay your sale—it can reduce your final sale price.
Overpricing: A Recipe for Frustration
It’s tempting to set a high list price, hoping to attract big offers. For example, some sellers take a $1 million home and list it for $1.3 million or even $1.5 million because they think “somebody might pay it.” The numbers tell a different story. In January 2025, open-water homes saw their average sale price climb to $3.24?million, yet their days on market jumped from 67 d ...

Florida Keys Market Update
Since Q1 2025, sales have rebounded slightly at mid-year compared to the same period in 2024. Average sale prices are still lower than last year but the rate of decline has slowed. Sellers, however, continue to accept larger discounts from asking prices, with wider gaps between list and sale prices and growing mid-listing reductions.
The key metric to watch is the number of listings (sellers). Historically, more sellers mean fewer buyers, and fewer sellers mean more buyers. For example, after Hurricane Wilma (2005), listings doubled in 120 days, buyers dropped, and prices crashed—years before the national subprime crisis. Conversely, during COVID (2020), listings fell, buyers surged, and prices soared.
In 2025, listings are rising gradually, buyer activity is flat, and prices are softening. Looking ahead to 2026, we expect listings to continue climbing while buyer demand and prices gradually ease.
If you are searching a beautiful home or ready to se; ...