Citizens Property Insurance is Florida’s insurer of last resort. As private carriers return to the market, many South Florida homeowners can move from Citizens to a private company, sometimes with similar coverage and pricing. An independent broker can compare private offers so you leave Citizens on your own terms.
Talk to an independent broker in Sunrise
Insurance Risk Advisors compares coverage from multiple A-rated carriers for Broward, Miami-Dade and Palm Beach County.
Why are homeowners leaving Citizens?
Citizens is designed to be a backup, not a long-term home. State rules push policyholders toward the private market when comparable private coverage is available.
Some homeowners also receive takeout offers, where a private carrier offers to assume the policy.
Should I accept a takeout offer?
Read it carefully. Compare the deductibles, hurricane deductible, roof coverage and any exclusions with your Citizens policy before you accept.
Takeout carriers differ in financial strength and service. We review offers line by line so you understand exactly what changes.
Want to compare your options?
We shop several carriers so you can see real prices side by side.
How do I shop for coverage outside Citizens?
Gather your declarations page, wind mitigation report and any 4-point inspection. These documents help private carriers quote quickly and accurately.
As an independent broker we can quote several companies at once and show you which offer protects your home best.
Frequently Asked Questions
Can I stay with Citizens?
Eligibility rules can change, and Citizens may require you to move if a comparable private policy is available. Ask us to review your situation.
Is private home insurance more expensive than Citizens?
Not always. Depending on your home and carrier, a private policy can cost about the same or less.
What documents help me get quotes?
Your current declarations page, a wind mitigation report and a recent 4-point inspection for older homes.
Get your free quote today
Request a quote online or call our Sunrise office. Insurance Risk Advisors has served South Florida for more than 35 years.
