Escrow Math in Florida: Why Insurance Now Eats 40% of Buyer Payments

How Insurance Impacts Escrow—and What That Means for Florida Sellers
Insurance is taking a bigger bite out of escrow. Learn how sellers in Niceville, Shalimar, and Fort Walton Beach can adjust and still win.

TL;DR

Insurance is a bigger part of the escrow picture—but sellers who understand the numbers can price smarter and sell faster.

Here’s the simple truth: insurance now makes up 35–40% of a buyer’s escrow payment. That sounds scary, but it doesn’t have to be.

If you’re selling in Niceville, Shalimar, or Fort Walton Beach, understanding that math puts you in control. It helps us price your home so it matches what buyers can truly afford—and that’s how you sell without endless price cuts.

We’ve been walking sellers through this for years. The ones who adjust early? They sell. The ones who chase last year’s prices? They wait.

Want to know where your home really stands in today’s insurance-driven market? Get your analysis here.

FAQ

Why does insurance matter so much to buyers?
Because it changes their monthly payment—and that’s what lenders look at.

Can sellers do anything about it?
Yes. From pricing smart to offering credits, there are ways to make your home stand out.

Will this get better soon?
Maybe, maybe not. The best move is to adapt now so you don’t lose value waiting.