The Florida insurance market is a hot mess. Owners pay the price.

When it was time for Florida retiree Sue Maher to renew her home insurance this year, she suffered sticker shock. Her insurer informed her in March that it was increasing her annual premium, already at $3,800, by $2,000. “I freaked out a little when I got the letter,” said Maher, 69, who lives in Winter Garden, near Orlando.

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