By Paul Domenech
What’s the proper way to value a home?
Most would say location, square footage, or recent comps. But in today’s Florida market, affordability is king. And right now, it’s under attack, not just from interest rates, but from a quieter, deadlier force: insurance premiums.
Here in Florida, we’re seeing more and more deals collapse, not because the buyer didn’t qualify, but because the insurance quote pushed the monthly payment past the pain point. In some cases, it’s adding hundreds of dollars a month, pricing buyers out and slowing down momentum for sellers.
Everyone loves to blame the Fed. And sure, rates are a factor. But to think this market is being shaped by interest rates alone is short-sighted. The real killers of affordability right now? Insurance and fear.
But here’s what most people don’t know: there’s a state-funded solution already in play that could be a game changer.
The My Safe Florida Home Grant Program, backed by the state and launched under Governor Ron DeSantis, provides eligible homeowners with up to $10,000 in grant funding to harden their homes, things like impact windows, storm-rated doors and new roofs. These upgrades don’t just make your home safer, they make it more insurable. And that’s the key.
By reducing risk, you reduce premiums. And when you reduce premiums, you reduce total monthly cost. In a high-rate environment, that matters more than ever.
This program doesn’t just benefit homeowners staying put. It also positions sellers to stand out, and helps buyers afford more. It’s one of the rare opportunities where everyone can win.
Want in? Visit MySafeFLHome.com to check eligibility and apply. It’s fast. It’s free. And it could unlock real value in a tight market.
Now let’s talk about the next steps.
Because while this program is great, it’s not the full solution. What you need is a strategy, not just a grant. You need a plan tailored to this market, built around your goals, and led by someone who’s not just chasing transactions but maximizing outcomes.
That’s where Pauly and The Domenech Group come in.
With hundreds of homes sold and boots-on-the-ground experience through every shift in this market, we don’t guess—we guide. Whether you’re buying, selling, or trying to time your next move, our team knows how to navigate challenges and turn pressure into profit.
We don’t chase deals. We create results.
Visit THEDOMENECHGROUP.com to connect with a team that knows how to move with purpose and lead with value—no matter what the market throws your way.
The opportunity is real. Let’s go get it.
