About Citizens Property Insurance
Citizens Property Insurance Corporation is Florida’s state-created, not-for-profit insurer of last resort. It was established to provide property insurance coverage to Florida homeowners who are unable to find coverage in the private market. Citizens is not a government agency but a government-sponsored enterprise overseen by the Florida Legislature.
Citizens Property Insurance in Florida
Citizens plays a critical role in Florida’s insurance ecosystem, particularly for homeowners in high-risk coastal areas or with older properties that private carriers are reluctant to cover. However, Citizens policies are designed to be a temporary safety net, not a permanent solution. The state actively encourages depopulation — the process of moving Citizens policyholders to private carriers that offer comparable or better coverage. If you’re currently on Citizens, the private market may now have better options for your property.
Getting Citizens Property Insurance Through Nymble Insurance
As an independent agency, Nymble helps Citizens policyholders explore the private market during depopulation events and at renewal. Many homeowners are surprised to find that private carriers now offer comparable or better coverage at competitive rates, especially for homes with updated roofs and wind mitigation features. We’ll compare your Citizens policy against private options so you can make an informed decision.