Episode Summary
In this episode, Andy Rosenberg breaks down one of the most misunderstood topics in Florida estate planning — Homestead law. He explains what qualifies as homestead property, the legal and tax advantages that come with it, and the common mistakes people make when managing or transferring their homes. Andy also shares real-life examples of how homestead protection works and how families can avoid costly surprises when planning for the future.
What You Will Learn in This Episode
What “Homestead” really means under Florida law
The two major benefits of homestead protection — creditor protection and tax savings
The limits and exceptions of homestead protection
How property value and taxes are affected when ownership changes
How homestead rules impact estate planning, wills, and trusts
Common mistakes that cause loss of homestead status
Why collaboration and proper legal drafting are essential in protecting your homeKey Timestamps
00:00 – Introduction to the importance of planning for your homestead property
 01:10 – What qualifies as a homestead in Florida
 03:20 – Why you can only have one homestead per household
 05:00 – How Florida’s homestead laws protect homes from creditors
 06:40 – The tax advantages of declaring homestead status
 09:45 – How the “Save Our Homes” rule limits tax increases
 10:30 – How inheritance affects homestead value and taxes
 13:15 – Why Florida created the Homestead law and how it protects families
 14:45 – How to properly transfer homestead property to avoid legal issues
 16:30 – Common mistakes that can cause loss of homestead protection
 18:00 – Discussion of Andy’s upcoming book 
“If You Don’t Plan, You’re Stupid”If You Don’t Plan, You Are Stupid! is a podcast hosted by estate planning attorney Andy Rosenberg. Each episode helps Florida families better understand how to protect their legacy, minimize legal complications, and ensure smooth transitions for their loved ones. With clarity, humor, and expertise, Andy explains topics like probate, trusts, guardianships, and wills.