The takeout picked your carrier. Your renewal is where you pick.
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The first renewal, decoded
Four things nobody explained when your policy changed hands, and why the renewal is your moment
The 20% cap was a day-one test
The price comparison in your takeout offer applied at the moment of assumption, and that premium generally held only for the rest of your Citizens term. At your first renewal, your carrier applies its own OIR-approved rates and forms, with no cap tied to Citizens.
There's no automatic way back
Returning to Citizens isn't a phone call. It requires a brand-new application and meeting Citizens eligibility again, generally including that comparable private offers are more than 20% above the Citizens premium.
Renewals have been news
Florida news outlets have documented significant first-renewal increases for some homeowners moved off Citizens. Others renewed flat or even lower. Past cases aren't a prediction of your renewal, which is exactly why a review beats a guess.
Renewal is a shopping moment
You're free to renew, and just as free to buy from any Florida-licensed carrier. Starting 30 to 60 days before your date leaves time to compare coverage and bind a replacement if you choose one.
See what your report looks like
Here's a preview of the plain-English analysis you'll receive
Premium Change
Old Citizens premium: $2,650/yr
Day-one assumed premium: $2,650/yr (unchanged mid-term)
First-renewal offer: $3,395/yr ⚠
Coverage Changes Since Citizens
Water backup: $10K with Citizens → NOT included
Roof coverage: replacement cost → ACV schedule ⚠
Ordinance or law: included → reduced limit ⚠
Deductible Changes
Hurricane deductible: 2% → 5% ⚠
All other perils: $1,000 → $2,500 ⚠
Wind/hail: included → separate deductible ⚠
Your Market Options
Quotes requested from 4 Florida carriers
Coverage lined up against your old Citizens policy
Options in hand before your renewal date
Illustrative sample with example figures, not real policy data. Renewal outcomes vary; your review is built from the documents you upload.
What you'll get
Every analysis includes these four sections
Renewal vs. Citizens Comparison
Your renewal notice lined up against your old Citizens policy in one clear view: limits, deductibles, and endorsements side by side.
What Changed Since Assumption
Catch forms, endorsements, and exclusions that quietly differ from the Citizens coverage you had. Changes the renewal packet won't highlight.
Price Context in Plain English
What the 20% comparison did and didn't cap, and what Florida reporting has documented about past first renewals. Context, never a prediction.
Market Quotes Before It Auto-Renews
A licensed agent shops your home across multiple Florida carriers before your renewal date, so renewing is a choice instead of a default.
How it works
Three simple steps to understanding your policy
Tell Ava where you are
Renewal notice in hand, or still waiting on it. Start the chat at the top of this page: Ava adjusts either way, and you can type your own questions at any point.
Upload your renewal notice and old Citizens policy
Drop both in as PDFs and Ava reads them and fills in your details for you. Both uploads are optional. No notice yet? Just leave your renewal date.
A licensed agent reviews and shops
A licensed Florida agent lines up what changed since Citizens in plain English and shops your home across multiple Florida carriers before your date, so nothing auto-renews unexamined.
The takeout picked your carrier. The market has more.
Your new carrier is one of Florida's takeout carriers, approved to assume Citizens policies in recent rounds. As an independent agency we can quote a range of Florida carriers so you can see how your renewal stacks up. Tell us about your home and we'll shop it across our markets and get back to you before your date.
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 and depopulation program details (including the 20% eligibility rule) are set by Florida law and Citizens, and may change; always follow your own policy documents and notices. Renewal outcomes reported in the press are individual past cases, not predictions; your renewal premium is set by your carrier's rates as filed with and approved by the Florida Office of Insurance Regulation.