Citizens Property Insurance Non-Renewal

Citizens’ depopulation program moves selected policies to participating private-market insurers.

The Citizens depopulation packet explains whether the policyholder can choose to remain with Citizens.

Check whether the packet discusses assumption by a private insurer, continuing eligibility, or a different reason for ending the policy. Record the dates shown in your own documents rather than using a deadline from a general article.

• The entire notice, including response forms and enclosures.
• Your declarations page and renewal information.
• Any private-market offer included in the packet.
• Inspection requests, repair records, and mortgage information.

Ask about differences in deductibles, settlement wording, endorsements, and outstanding requirements. Coordinate replacement arrangements with the agent before changing an existing policy. Citizens is mentioned here as the subject of the guide, not as a representation claim.

A nonrenewal notice, depopulation packet and general policy update do not call for identical responses. Read the heading, affected policy and response date before choosing a next step. Bring all pages into the discussion, including instructions and attachments. The agent needs the actual notice to distinguish an action you may take from something the carrier has already communicated.

Do not borrow a deadline from a friend’s letter or a search result. Citizens materials can explain choices for a particular policy, and a response window may differ from the policy expiration date. Ask which date applies to the action you are considering and how receipt should be confirmed. Starting a quote request does not extend either deadline.

If another policy is being considered, review limits, deductibles, endorsements and any outstanding inspection requirements. Confirm whether the proposal reflects current property details. A carrier name alone does not establish equivalent coverage, and this website does not imply an appointment with Citizens. Ask the agent what can be reviewed and what information is still needed before making a decision.