Getting a New Carrier Offer After Leaving Citizens

If you hold a Citizens policy, you may receive an offer from a private carrier willing to take over your coverage. These new-carrier offers can be a good opportunity, but only if you evaluate them carefully.

What a new-carrier offer is

Under Florida's depopulation program, approved private insurers select Citizens policies they want to insure and extend offers to those homeowners. The offer proposes to replace your Citizens coverage with a private policy.

What to compare before accepting

• The premium versus your current Citizens cost.
• Coverage limits and, importantly, hurricane and windstorm deductibles.
• Any differences in what is covered or excluded.
• The carrier's reputation for service and claims handling.

Why a second opinion helps

Offers are not always apples to apples. A policy that looks cheaper might carry a higher storm deductible, and one that costs a bit more might offer meaningfully better protection. Comparing the details is where the real value is.

What Truscott recommends

Before you accept or decline, have a licensed agent read the offer against your current policy. Learn more about a new carrier offer or start a quote.