Florida is the market that already recovered, and holding policies here through the whole cycle is a large part of why we can tell homeowners in California and Texas what a recovering market actually looks like.
If you are still with Citizens, the live question is what to do with a takeout offer. Those arrive regularly now, and ignoring one is a decision rather than a delay — depending on how the offer compares to your Citizens premium, declining it can end your eligibility to stay.
A takeout is not automatically good or bad. What matters is the carrier's financial strength, the actual coverage terms, and what the total cost looks like once wind and flood are counted alongside the base policy. We compare all three before recommending anything.
Two things worth confirming on any Florida policy regardless of carrier: your hurricane deductible in dollars rather than as a percentage, and whether you hold a separate flood policy. Storm surge is flood. No homeowners policy covers it.
Send us the declarations page you have now. We read it line by line against what this market is actually doing, and tell you plainly whether anything worth changing has changed.
Send your policyThe same house priced in two states is two different problems. These are the markets we work most, and what actually decides the outcome in each one.
Send your declarations page and we will read it properly — what you have, what it would actually pay, and whether anything worth changing has changed.
Independent insurance guidance for your home, your business, and your life across state lines.