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Citizens Property Insurance was created for Florida homeowners who cannot find coverage in the private market, which is why it is called the insurer of last resort. Its eligibility rules reflect that purpose.
To qualify for Citizens, a home typically must be unable to get comparable coverage from a private insurer at a comparable price, and it must meet Citizens' own underwriting requirements. If a private policy is available to you within a certain range, you may not be eligible for Citizens.
As private carriers enter the market or make takeout offers, your eligibility can shift. Receiving a private offer can affect whether you remain with Citizens, which is why comparing offers matters.
If you are unsure where you stand, a licensed agent can check your options across carriers. Learn more about Citizens takeout 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.