Citizens Property Insurance Corporation (often called Citizens Insurance) is a state-run, nonprofit insurance company created by the Florida Legislature in 2002. It was designed to provide property insurance coverage to Florida homeowners who can’t find affordable coverage in the private market. Citizens is meant to exist as an “insurer of last resort.” When the Florida Insurance Market hit tumultuous times, many opted to switch to Citizens due to high rates which drastically overpopulated the Citizens Market.
If you’ve recently received a Citizens Depopulation Notice, you’re not alone. The last week of October 2025, Citizens issued nearly 200,000 notices! Many Florida homeowners are now being notified that a private insurance company wants to assume (or “take over”) their Citizens Property Insurance policy. While this can sound confusing, this notice presents an important opportunity — and Harris Insurance Services, Inc. is here to help you make the best decision for your home and budget.
What Is Citizens Depopulation?
Citizens Property Insurance Corporation has an entire department dedicated to finding other affordable options for their insureds. If another admitted market is willing to offer coverage within 20% of the homeowner’s current Citizens rate, then the homeowner is notified that they are no longer eligible for coverage with Citizens. With an increase of private insurance companies returning to the Florida market, they are willing to assume more risk and one of the easiest ways for them to grow is to assume policies from Citizens.
This helps stabilize Florida’s insurance market, but it also means you’ll need to carefully evaluate your options to make sure you’re getting the best coverage and price.
Why You Should Compare Options
When you receive a depopulation offer, you’ll usually have two choices:
- Stay with Citizens – only if eligible. “Eligible” means that ALL other quote options are at least 20% higher than Citizen’s rate.
- Accept an offer from a private insurance company
However, the depopulation offer you receive isn’t necessarily your best or only option. Rates and coverages vary widely between carriers, and now with reduced rates in 2025, you may qualify for better pricing elsewhere.
That’s where we come in.
How Harris Insurance Can Help
Harris Insurance Services, Inc. is an independent insurance agency — meaning we can shop your policy across all major carriers in Florida to find the best combination of coverage, savings, and service.
We’ll review your Citizens policy and compare it against all available market options so you can make an informed decision with confidence.
How to Get Started
The fastest way to get your quote started is to email us the following documents:
📄 Your Citizens Declaration Page
🏠 Four-Point Inspection Report
💨 Wind Mitigation Inspection Report
Send them to Service@HarrisInsurance.com and our team will begin your personalized quote review right away.
Don’t Wait — Review Before You Decide
Depopulation notices include a deadline to respond. Don’t wait until it’s too late to compare options! Let Harris Insurance ensure that you’re getting the best possible coverage and rate available in today’s market. We can replace your coverage and provide you with the documentation that you need to start the refund process with Citizens.
Harris Insurance Services, Inc.
Protecting Florida since 1965.
📧 Service@HarrisInsurance.com
🌐 www.HarrisInsurance.com
LEGAL DISCLAIMER
Views expressed here do not constitute legal advice. The information contained herein is for general guidance of matter only and not for the purpose of providing legal advice. Discussion of insurance policy language is descriptive only. Every policy has different policy language. Coverage afforded under any insurance policy issued is subject to individual policy terms and conditions. Please refer to your policy for the actual language.
