The proposal introduces a potential shift toward hurricane-only policies for homeowners, a move intended to isolate catastrophic risk and reduce general premium burdens. Russo argues that current market structures often penalize responsible policyholders, and his platform calls for legislative action to allow for actuarial reviews that could foster greater market feasibility and choice.

For drivers, the plan targets the removal of redundant mandatory coverages when policyholders already possess qualifying health insurance. Beyond restructuring, the campaign emphasizes a new consumer bill of rights, requiring insurers to provide plain-English explanations for rate hikes and establishing clear pathways for appealing non-renewals. Russo, a resident of New Smyrna Beach, contends that these measures are essential to ensuring that age or lack of transparency do not unfairly dictate the cost of living for Florida families.