The letter shows one company. Florida's market has dozens.
Quoting across Florida carriers including
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What the letter doesn't say
Four things to know before one carrier's offer becomes your whole decision
It's an offer, not an assignment... yet
The letter is one carrier's offer to assume your policy. Respond by the deadline and the choice is yours; let it pass and you're automatically assigned to the offer with the lowest premium estimate.
One carrier isn't the market
The 20% rule can make you ineligible to stay with Citizens, but it never blocks shopping: you may buy from any Florida-licensed carrier before your deadline, not just the one that picked your policy.
The market actually reopened
Regulators approved more than a dozen new property insurers after the 2022-23 reforms, and state officials have called this the healthiest Florida market in about a decade. Their words, and your opening.
No letter? No waiting
Citizens policyholders can shop the private market at any time. Letters cluster around state-approved assumption rounds, so yours may still be coming; you can have quotes in hand before it lands.
See what your report looks like
Here's a preview of the plain-English analysis you'll receive
Your Current Citizens Coverage
Dwelling: $350K · Liability: $300K
Hurricane deductible: 2% ($7,000)
Roof: replacement cost · Water backup: $10K
The Takeout Offer
Offer(s) from the carrier(s) that selected your policy
Estimated premium vs. Citizens renewal
Response deadline: the date printed on your offer form
Market Quotes
Carrier A: $X,XXX/yr · 2% hurricane deductible
Carrier B: $X,XXX/yr · replacement-cost roof
Carrier C: $X,XXX/yr · water backup included
Coverage Differences That Matter
Hurricane deductible: 2% vs. 5% options
Roof terms: replacement cost vs. ACV
Water backup, ordinance or law: varies by quote
Illustrative sample with example figures, not real policy data or prices. Your comparison is built from the documents you upload and the quotes that come back.
What you'll get
Every analysis includes these four sections
Quotes From Multiple Florida Carriers
A licensed agent shops your home across the Florida carriers we're appointed with and brings back real quotes, not just the one offer that arrived in the mail.
Offer vs. Market Comparison
Holding a takeout letter? See how its offer stacks up against the other quotes and against your current Citizens coverage, side by side.
Plain-English Coverage Read
Deductibles, roof terms, and endorsements lined up in plain English, so a cheaper premium can't hide thinner coverage.
A Decision You Made on Purpose
If the letter's offer wins the comparison, keep it knowing it won. If it doesn't, you'll have the alternatives in hand before any deadline.
How it works
Three simple steps to understanding your policy
Tell Ava where you stand
Start the chat at the top of this page. Letter or no letter, Ava asks a couple of quick questions, and you can type your own at any point: she'll answer and pick the intake back up.
Upload what you have
Drop in the takeout letter and/or your current Citizens policy as PDFs. Ava reads them and fills in your details for you. Both uploads are optional.
A licensed agent shops your home
We quote your home across multiple Florida carriers and bring back real numbers, with every coverage difference flagged in plain English, before any deadline on your letter.
The letter names one of these. The market is bigger.
These carriers have been approved to assume Citizens policies in recent rounds, and they're only part of the market we can quote. Tell us about your home and we'll shop it across the Florida carriers we're appointed with and get back to you.
Carrier names and logos are trademarks of their respective owners, shown for identification only. Truscott is not affiliated with or endorsed by any carrier listed or by Citizens Property Insurance Corporation.
A licensed Florida agency, not a lead-generation site
Quote-comparison websites resell your contact details to multiple agents. We don't. One licensed Orlando agency reviews your situation, and your number is never sold.
Who it's for
Your privacy matters
We built Truscott to protect you -- including from us.
Truscott provides AI-generated insurance policy summaries for informational purposes only. Our analyses do not constitute insurance advice, legal advice, or coverage guarantees. Always consult a licensed insurance professional or attorney for specific coverage questions or claims decisions.
Truscott Inc., d/b/a Truscott Insurance Solutions, is an independent Florida-licensed insurance agency (FL agency license L136441) and is not affiliated with or endorsed by Citizens Property Insurance Corporation. Takeout program details (including the 20% eligibility rule and response deadlines) are set by Florida law and Citizens, and may change; always follow the instructions and dates in your own notice.