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Citizens is committed to helping its policyholders find coverage in the private market. As required by Florida law, Citizens' Depopulation Program matches Citizens policyholders with insurance companies interested in removing their policy from Citizens and providing private-market coverage for their policy. All companies assuming policies from Citizens have been approved by the Office of Insurance Regulation (OIR).

Citizens offers depopulation programs for personal and commercial lines. Additional information is available on the following pages:

Personal Lines

Review detailed information about the Personal Lines Depopulation Program.

Commercial Lines

Review detailed information about the Commercial Lines Depopulation Program.

Depopulation Resources

Review general sample letters & forms, brochures, and other important resources for the Depopulation Program.

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Be sure to consider the following information carefully when discussing the advantages of the offer with your agent. 


Citizens policyholders can be required to pay an assessment if Citizens does not have the resources to pay claims following a major hurricane or series of storms. This assessment, which would be imposed only if Citizens incurs significant losses, could be significant. Private-market policyholders can be subject to paying a much lower assessment amount.

Depopulation Benefits 2

Coverage Worksheets

More comprehensive property insurance coverage may be available to you in the private market.

Valuable coverage worksheets are available on the Depopulation Resources page.


The clearinghouse program:

  • May include more personalized and comprehensive coverage options than what is available through Citizens
  • Compares private-market offers that may cost less than comparable coverage from Citizens
  • Gives customers who receive private-market offers the opportunity to reduce their assessment risks in comparison to Citizens policyholders

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