What is Byron Donalds' plan to lower insurance costs?
Transparency. His proposal is a scorecard that shows Floridians insurer prices and performance. It contains no measure that lowers what a family pays, and the state already runs a rate comparison tool.
Byron Donalds' insurance proposal is an "Insurer Scorecard": a statewide comparison tool for insurer prices, claim approval and denial rates and payment timelines, plus legislation requiring insurers to report those figures. His campaign says "what people need is transparency." The proposal contains no catastrophe fund, no reinsurance change and no rate measure; it shows Floridians why their bills are high without changing them. Florida's Office of Insurance Regulation already publishes a homeowners rate comparison tool. The insurance industry has given more than a million dollars to Donalds' campaign, according to the Jolly campaign's review of state campaign finance filings.
The proposal
Donalds' campaign site describes the Insurer Scorecard as Florida's first statewide comparison tool combining price, claims and performance data. It would modernize and promote a rate comparison tool for auto, health and home insurance, build a public dashboard of insurer performance, run an awareness campaign, and pass legislation requiring standardized reporting on premiums, rate increases, approval and denial rates and payment timelines, with penalties for insurers that do not comply.
The campaign calls it "the first step in a series of proposals." As published, it is the only step. It proposes nothing that changes how hurricane risk is priced, which is the reason Florida premiums are the highest in the country.
What Florida already has
The Florida Office of Insurance Regulation already operates a homeowners insurance rate comparison tool, CHOICES, on its website, where a Floridian can compare sample premiums by county and company. The Miami Herald, checking both candidates' plans, noted that the existing tool already does what the scorecard's centerpiece describes, with Donalds' version adding reporting requirements.
Transparency does not save a family money. It shows them why everything is so expensive.
Who funds the candidate
The insurance industry wants Floridians to spend more on insurance, not less, and it has invested in Byron Donalds. According to the Jolly campaign's review of Florida campaign finance filings, insurance interests supporting Donalds' campaign include Slide Insurance Holdings ($503,000), the Florida Insurance Council's political committee ($231,000), United Group Underwriters ($153,000), The Baldwin Insurance Group Holdings ($115,000) and Heritage Property & Casualty Insurance Company ($100,000), more than a million dollars in all. The filings are public at the Florida Division of Elections.
The contrast
David Jolly's plan moves hurricane and wind risk, 60 to 70 percent of a Florida homeowners bill, into a state-backed catastrophe fund paid for by insurers and other sources rather than homeowners, so private premiums can fall by that much. The industry that funds Byron Donalds' campaign prices that risk into every policy today. The plan, in plain English.
Frequently asked questions
Q. What does Byron Donalds' Insurer Scorecard do?
It is a comparison and reporting tool: a public dashboard of insurer prices, claim approval and denial rates and payment timelines, with legislation requiring insurers to report those numbers. It does not change how policies are priced.
Q. Does Florida already have a rate comparison tool?
Yes. The Florida Office of Insurance Regulation publishes CHOICES, a homeowners insurance rate comparison tool, on its website.
Q. Does Byron Donalds' plan lower premiums?
The proposal contains no measure that lowers what a family pays. It shows the prices; it does not change them. His campaign describes it as the first step in a series of proposals.
Q. How much has the insurance industry given to Byron Donalds?
More than a million dollars, according to the Jolly campaign's review of Florida campaign finance filings, including $503,000 from Slide Insurance Holdings and $231,000 from the Florida Insurance Council's political committee.
Where this comes from
The Insurer Scorecard is described from Byron Donalds' campaign site. The Miami Herald's comparison of the candidates' plans is available through InsuranceNewsNet. The Office of Insurance Regulation's CHOICES rate comparison tool is on the OIR website. Contribution figures are from the Jolly campaign's September 2026 review of public filings at the Florida Division of Elections and are attributed as such.
This page was last reviewed on September 15, 2026 and is re-verified as the story develops.