FIRM

10/13/2026

If you're afraid renters' insurance won't fit into your already tight budget, now's the time to take another look. Florida's Insurance Commissioner just announced a big decrease in renters' insurance. You might be surprised at how much protection you can get for a decent cost. Check out FIRM's website to see how you can protect yourself and your property.

https://firmkeys.org/2026/10/october-tip-of-the-month-peace-of-mind-for-renters/

09/28/2026

State leaders insist they’ve resolved Florida’s property insurance crisis. Florida homeowners aren’t buying it.

They’re reporting surging premiums, a staggering rate of being dropped by their insurers, and deep dissatisfaction with the coverage they’re getting.

Overall, 55% (of homeowners) see no signs the insurance market is improving, and 26% contend it is getting worse.

They’re reporting surging premiums, a staggering rate of being dropped by their insurers, and deep dissatisfaction with the coverage they’re getting in our exclusive South Florida Sun Sentinel/Orlando Sentinel poll.

09/21/2026

We are so excited to have this fabulous prize from Little Palm Island again this year, and they're back with a fabulous TWO NIGHT STAY! The prize also includes breakfast for 2 and $1,000 spending money, plus it covers your parking, resort fee and taxes.

The drawing is December 10 just in time to be the best Christmas gift ever! 🎁

Click on over to FIRMKeys.org and get your ticket before they sell out!

09/21/2026

Thanks to Marathon and Lower Keys Association of Realtors and all of the sponsors who supported the golf tournament for FIRM this year. What a great day for golf!

09/19/2026

It's a great day for golf at the Florida Keys Country Club. We're here for the Marathon and Lower Keys Association of Realtors golf tournament for FIRM.

09/19/2026

Golfers are ready to tee off for the Marathon and Lower Keys Association of Realtors golf tournament for FIRM! ⛳️

09/18/2026

Do you know the difference between "primary residence" and "principal residence" on your flood insurance policy? Even if you think you do, check out September's Tip of the Month that explains the difference and what it means for your premium cost and your payout if you have a flood claim. If you're unsure about how your policy lists your property, get together with your insurance agent and confirm.

https://firmkeys.org/2026/09/september-tip-of-the-month-clarifying-nfips-ratings-and-claims-terms/

09/16/2026

FIRM's insurance town hall was a good start to working with Citizens on the disconnect between SIRS and RUL for condo association boards, the OIR's mitigation form, and the impact of some Citizens' policies on Habitat for Humanity Homeowners.

You can watch both sessions on FIRM's You-Tube channel or read more about key take-away and next steps on the website.

https://www.youtube.com/-fairinsuranceratesinm5054
https://firmkeys.org/2026/09/monroe-county-insurance-town-hall-take-aways/

09/13/2026

The annual Mark Samuelian Awards in Residential Resilience is accepting applications through Friday, October 9, 2026. These awards honor the life and contributions of Mark Samuelian (1963–2022), Miami Beach Commissioner (2017–2022), who championed sustainability and resilience programs that benefit homes and neighborhoods.

This is the 4th year that the Resilience Action Fund, together with sponsors and committee members, are holding these awards to recognize individuals and organizations in Florida that demonstrate practical success in implementing above-code hazard-resilient measures and strategies in completed residential properties.

Awards criteria:
• Enhances resilience of residential properties from wind, water, and fire hazards
• Ease of duplication in other properties
• Applicable to a wide range of income levels
• Supports environmental benefits (energy, carbon, air quality, urban heat, etc.)
• Promotes community benefits (preservation, recreation, etc.)

For more information about awards and how to apply, visit buildingresilient.com/mark-samuelian-award or email [email protected]. Award winners will be recognized at a reception on Wednesday, November 16, 2026 at the Miami Beach Botanical Garden.

09/13/2026

The Marathon and Lower Keys Association of Realtors Golf Tournament for FIRM is officially SOLD OUT! It's not too late for your business to be a sponsor!

Let the golfers know that you support FIRM!

Sign up to sponsor at MLKAR.com⛳😁☀️