Florida insurance
Citizens Property Insurance
In short
Citizens is Florida's state-created insurer of last resort for homeowners who can't find private coverage. Its eligibility and rules are set by the state.
Citizens Property Insurance Corporation is a state-created, not-for-profit insurer that exists to cover Florida homeowners who can't obtain coverage from private carriers, or can't obtain it at comparable cost.
Eligibility rules, coverage limits, and the requirement to move to a private policy when a comparable one becomes available are all set by state law and change over time, so the current terms come from Citizens and the state, not a rule of thumb.
For buyers in higher-risk areas, whether a home is Citizens-eligible can be part of the insurability picture that determines what it costs to own — and whether a loan can close.
Related
Current as of August 2026.