evidence: If that sounds like a lot, it's got nothing on Florida, where the average homeowners insurance premium is now $6,000 — up 200% from 2019, according to data from the Insurance Information Institute. [...] In addition to putting homeownership further out of reach in states already facing acute affordability crises, Florida's and California's insurance troubles are likely to prove particularly burdensome for retirees who had been counting on selling their homes to generate cash in their golden years. [...] Faced with dwindling options, more households are choosing to go without insurance altogether, known as "going bare" in the industry. The Insurance Information Institute estimates that as many as 15% of Florida homeowners have no property insurance — the highest rate in the U.S. The organization did not have an estimated figure for California.