Florida law requires that Citizens create programs to help return Citizens policies to the private market and reduce the risk of assessments for all Floridians. These programs are subject to the approval of the Office of Insurance Regulation (OIR).

The Depopulation program works with private-market insurance companies interested in offering coverage to Citizens policyholders. Participating companies must be approved by the OIR. Approved takeout companies can offer to take over your Citizens policy at any time during your policy period. 

The Depopulation Unit works directly with active and prospective Florida insurers and representatives to facilitate the transfer of policies.

Email the Depopulation Unit if you have questions about Citizens' Depopulation Program.