Citizens Insurance in Florida: When Is It an Option?

With Florida’s challenging homeowners insurance market, many property owners are asking the same question: When is Citizens Insurance an option in Florida? Understanding how Citizens Property Insurance Corporation works—and when it applies can help homeowners secure coverage when private insurance isn’t available.

What Is Citizens Insurance in Florida?

Citizens Property Insurance Corporation is Florida’s state-backed insurance provider, created to offer coverage when homeowners cannot obtain insurance in the private market. Citizens is not intended to compete with private carriers, but to serve as an insurer of last resort.

When Can Homeowners Qualify for Citizens Insurance?

You may be eligible for Citizens Insurance if:

- You’ve been declined by multiple private insurance companies

- The only private-market option available is more than 20% higher than Citizens’ premium (the “20% rule”)

- Your home meets Citizens’ underwriting guidelines

Eligibility is based on both price and availability, not preference.

Homes That May Qualify for Citizens Coverage

Citizens Insurance is commonly an option for:

- Older homes

- Properties with aging roofs

- Coastal or high-risk homes

- Homes with prior claims history

However, Citizens still has strict requirements, including roof age, property condition, and inspection standards.

Important Limitations of Citizens Insurance

While Citizens provides essential coverage, homeowners should understand its limitations:

- Coverage options may be more limited than private carriers

- Policyholders may be subject to special assessments after major disasters

- Rates can increase if market conditions change

- Policies may be transferred to private insurers through a depopulation program

Citizens is often a temporary solution until a private option becomes available.

Is Citizens Insurance Right for You?

Citizens Insurance can be a lifeline for Florida homeowners struggling to find coverage—but it’s not always the best long-term choice. Reviewing all available options helps ensure:

- You’re paying a competitive premium

- Your coverage meets lender requirements

- You’re not missing better private-market opportunities

Get a Free Florida Home Insurance Quote

At Michaels Insurance Group Inc., we help Florida homeowners determine whether Citizens Insurance is the right option—or if a private carrier can offer better coverage and pricing.

📞 (631) 629-2233
📞 (386) 274-8150

Call today for a free quote or policy review, and let our team guide you through Florida’s complex insurance market.