Research summary
Research summary
Topic summary
Compare their public plans for property insurance, premiums, and housing costs.
Key research questions
- Investigate "Florida Governor: Byron Donalds vs.
Important claims and supporting citations
Through September 25, 2026, real estate, property owner, legal, engineering, architecture, and insurance sectors contributed approximately 33% of Byron Donalds' $120.5 million campaign funds compared to 11% of David Jolly's $7.3 million.
Donalds campaign advertisements launched around September 8, 2026, claimed Jolly's plan would impose an annual $1,000 hurricane tax on every Florida household, referencing an FSU study that actually evaluated a 2024 Citizens takeover proposal.
David Jolly opposed Amendment 3 over concerns about reducing funding for law enforcement, advocating instead for a targeted $250,000 homestead exemption for first-time buyers.
David Jolly's campaign plan projects a 60% to 70% decrease in homeowners premiums by transferring hurricane and wind risk into a state-backed fund.
Jolly pledged to issue executive orders capping Florida insurer transfers to corporate affiliates at 20%, pointing to $1.3 billion in affiliate net income generated between 2017 and 2019 while property insurers posted $432 million in losses.
In June 2026, Byron Donalds was one of six Florida House Republicans who voted against the bipartisan 21st Century ROAD to Housing Act, following opposition from Donald Trump.
Jolly stated his proposed state hurricane fund would require an initial threshold of at least $32 billion with reinsurance before assuming claims, leaving private insurers responsible solely for non-wind perils.
Donalds' campaign reported that Florida's 2022 SB 2-A and 2023 HB 837 tort reforms reduced insurance legal defense costs from $820.5 million to $57.6 million.
View all claims (text)
Claims
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Through September 25, 2026, real estate, property owner, legal, engineering, architecture, and insurance sect…
Through September 25, 2026, real estate, property owner, legal, engineering, architecture, and insurance sectors contributed approximately 33% of Byron Donalds' $120.5 million campaign funds compared to 11% of David Jolly's $7.3 million.
Labels: Source-linked, Medium, known
Jolly proposed offering zero-interest, state-backed loans to condominium owners and associations to help fina…
Jolly proposed offering zero-interest, state-backed loans to condominium owners and associations to help finance mandatory building safety inspections and reserve fund mandates.
Labels: Inferred, Low, known
Jolly proposed limiting investor-owned utility profits to the national average of roughly 9% to 10% to curb c…
Jolly proposed limiting investor-owned utility profits to the national average of roughly 9% to 10% to curb consumer power bills.
Labels: Inferred, Low, known
Donalds cited a National Association of Home Builders finding that regulatory requirements constitute 26.4% o…
Donalds cited a National Association of Home Builders finding that regulatory requirements constitute 26.4% of total new construction costs.
Labels: Inferred, Low, known
David Jolly opposed Amendment 3 over concerns about reducing funding for law enforcement, advocating instead…
David Jolly opposed Amendment 3 over concerns about reducing funding for law enforcement, advocating instead for a targeted $250,000 homestead exemption for first-time buyers.
Labels: Source-linked, Low, known
Donalds endorsed Amendment 3 on the November 2026 ballot, which raises the non-school homestead exemption to…
Donalds endorsed Amendment 3 on the November 2026 ballot, which raises the non-school homestead exemption to $150,000 in 2027 and $250,000 in 2028, and lowers the non-homestead assessment cap from 10% to 5%.
Labels: Inferred, Low, known
David Jolly's campaign plan projects a 60% to 70% decrease in homeowners premiums by transferring hurricane a…
David Jolly's campaign plan projects a 60% to 70% decrease in homeowners premiums by transferring hurricane and wind risk into a state-backed fund.
Labels: Source-linked, Low, known
In June 2026, Byron Donalds was one of six Florida House Republicans who voted against the bipartisan 21st Ce…
In June 2026, Byron Donalds was one of six Florida House Republicans who voted against the bipartisan 21st Century ROAD to Housing Act, following opposition from Donald Trump.
Labels: Inferred, Medium, known
Donalds' campaign reported that Florida's 2022 SB 2-A and 2023 HB 837 tort reforms reduced insurance legal de…
Donalds' campaign reported that Florida's 2022 SB 2-A and 2023 HB 837 tort reforms reduced insurance legal defense costs from $820.5 million to $57.6 million.
Labels: Inferred, Low, known
Jolly pledged to issue executive orders capping Florida insurer transfers to corporate affiliates at 20%, poi…
Jolly pledged to issue executive orders capping Florida insurer transfers to corporate affiliates at 20%, pointing to $1.3 billion in affiliate net income generated between 2017 and 2019 while property insurers posted $432 million in losses.
Labels: Inferred, Medium, known
Citizens Property Insurance Corp.
Citizens Property Insurance Corp. policy counts decreased from a peak over 1.41 million down to 293,465 policies by mid-2026.
Labels: Inferred, Low, known
Byron Donalds' Insurance and Property Plan
Byron Donalds' Insurance and Property Plan
Labels: Inferred, Low
FSU Study and Hurricane Assessment Controversy
FSU Study and Hurricane Assessment Controversy
Labels: Inferred, Low
Donalds campaign advertisements launched around September 8, 2026, claimed Jolly's plan would impose an annua…
Donalds campaign advertisements launched around September 8, 2026, claimed Jolly's plan would impose an annual $1,000 hurricane tax on every Florida household, referencing an FSU study that actually evaluated a 2024 Citizens takeover proposal.
Labels: Source-linked, Medium, known
Jolly stated his proposed state hurricane fund would require an initial threshold of at least $32 billion wit…
Jolly stated his proposed state hurricane fund would require an initial threshold of at least $32 billion with reinsurance before assuming claims, leaving private insurers responsible solely for non-wind perils.
Labels: Inferred, Low, known
Jolly proposed funding his catastrophe coverage plan using taxes on insurance companies, real estate transact…
Jolly proposed funding his catastrophe coverage plan using taxes on insurance companies, real estate transaction fees, or tourist taxes, without imposing a direct charge on homeowners.
Labels: Inferred, Low, known
On September 15, 2026, Byron Donalds unveiled a six-point 'Bring Down The Bill' insurance plan projecting 20%…
On September 15, 2026, Byron Donalds unveiled a six-point 'Bring Down The Bill' insurance plan projecting 20% to 30% premium reductions.
Labels: Inferred, Low, known
Donalds proposed creating a public 'Insurer Scorecard' to report insurance companies' pricing, denial and app…
Donalds proposed creating a public 'Insurer Scorecard' to report insurance companies' pricing, denial and approval rates, and claims payout timelines.
Labels: Inferred, Low, known
An FSU study prepared for OPPAGA determined that centralizing residential wind coverage in Citizens could lea…
An FSU study prepared for OPPAGA determined that centralizing residential wind coverage in Citizens could lead to emergency assessments averaging $1,000 per household following a major catastrophe.
Labels: Inferred, Low, known
Donalds proposed eliminating the 25% rapid cash buildup surcharge on Florida Hurricane Catastrophe Fund premi…
Donalds proposed eliminating the 25% rapid cash buildup surcharge on Florida Hurricane Catastrophe Fund premiums, noting the fund held about $13 billion in reserves against a $17 billion statutory limit.
Labels: Inferred, Low, known
Donalds proposed granting automatic post-storm rebuilding permits and targeting My Safe Florida Home funding…
Donalds proposed granting automatic post-storm rebuilding permits and targeting My Safe Florida Home funding to pre-1993 homes and roof straps.
Labels: Inferred, Low, known