Many Florida homeowners with Citizens policies wonder whether they should move to a private insurer. The honest answer is that it depends on the offer, and comparing carefully is the only way to know.
Citizens is designed as a last resort, and its coverage options can be more limited than private policies. Private carriers may offer broader coverage, and in some cases a competitive price. If your home no longer needs a last-resort insurer, you may have better options.
A private offer is not automatically better. It may carry a higher premium, different deductibles, or narrower terms. Always compare the full policy, not just the headline price.
This is a decision worth a second opinion. A licensed agent can lay the options next to each other so the trade-offs are clear. Learn more about leaving Citizens or request a quote.
If 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.
Citizens TakeoutFlorida's Citizens Property Insurance is a last-resort insurer, and a comparable private offer priced within 20% of your Citizens premium can end your eligibility. Here is how the threshold works in practice.