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If you have a mortgage and are considering leaving Citizens for a private insurer, a natural question is how the switch affects your escrow account and monthly payment. With a little coordination, the transition can be smooth.
If your lender escrows for insurance, part of your monthly payment goes into an account that pays your premium when it is due. When you change insurers, your lender needs the new policy information so it pays the right company.
Keep your lender in the loop so the switch does not cause a payment hiccup. Learn more about leaving Citizens or start a free quote.
A side-by-side method for evaluating a Citizens takeout offer that goes beyond premium, covering deductibles, sublimits, endorsements, carrier financial strength, and the assessment risk you leave behind.
Citizens TakeoutIf you switch out of Citizens through a takeout or on your own, an open or future claim follows the date of loss, not your current insurer. Here is how claims, deductibles, and refunds work during the transition.