When to Do a Citizens Renewal Checkup

Renewal time is the natural moment to review a Citizens policy. Rather than letting it renew on autopilot, a short checkup can catch changes, confirm your coverage still fits, and surface options you did not know you had.

What to review

• Your premium: did it change, and by how much?
• Your coverage amount: does it still match what it would cost to rebuild?
• Your deductibles: especially the hurricane deductible.
• Your eligibility: whether private options are now available to you.

Why the timing matters

Reviewing before you renew gives you time to compare alternatives without a deadline forcing your hand. It also lets you apply any new credits, such as those from a wind mitigation inspection, at renewal rather than mid-term.

What a checkup can find

Sometimes a checkup confirms you are in the right place. Other times it reveals a better private option or a coverage gap worth fixing. Either way, you make the renewal decision with eyes open.

What Truscott recommends

Put a reminder on your calendar a few weeks before renewal and have a licensed agent review it with you. Learn more about a renewal checkup or start a quote.