Opening a renewal notice to find a much higher premium is a familiar and frustrating experience for Florida homeowners. The good news is that a renewal increase is not the end of the conversation. You have options.
Florida premiums have climbed for reasons largely outside any single homeowner's control: storm risk, rebuilding costs, and pressures across the insurance market. Your own renewal may also reflect roof age, past claims, or changes in your carrier's appetite.
Cutting essential coverage to save money can leave you exposed when you most need it. The better path is finding the right price for the coverage you actually need.
Before you accept a steep increase, let a licensed agent shop it for you. Learn more about handling a renewal increase or start a 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.