Fair Insurance Rates in Monroe (FIRM) is a non-profit organization based in Key West, FL, dedicated to fighting against excessive, discriminatory, and unaffordable insurance rates since 2006. FIRM advocates for fair, equitable, and affordable property insurance coverage for homeowners, residents, and business owners in Monroe County, with a focus on protecting property values and contributing to housing affordability.
FIRM empowers Monroe County residents by providing them with information and resources to make informed decisions about property insurance coverage, the claims process, mitigation, and storm preparedness. Through their efforts, FIRM has been successful in gaining relief for insureds in Monroe County, including exemptions for condo owners from Citizens flood insurance requirements and increased funding for the My Safe Florida Home program, which provides free inspections and mitigation upgrades for low and moderate-income households.
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