The Programs section offers comprehensive information about important Citizens programs that have been developed to serve our policyholders and help Citizens carry out its mission as Florida's insurer of last resort.

Property Insurance Clearinghouse

The clearinghouse identifies private-market insurance options for consumers who believe Citizens might be their only choice for property insurance. 

Depopulation Program

The Depopulation Program works with private-market insurance companies interested in offering coverage to Citizens policyholders.

Florida Market Assistance Plan (FMAP)

FMAP is a free and convenient online property insurance referral service that matches property owners looking to insure their property with agents able to find private-market coverage for their personal, rental and vacation homes in Florida. FMAP provides agent contact information to consumers seeking commercial residential, commercial nonresidential and liability insurance.

Managed Repair Program

When your home is damaged, you want relief fast so life can get back to normal. The Managed Repair Program helps you get back on your feet by providing valuable emergency and permanent repair services following a qualified loss. The program includes free water removal and drying services for water losses not caused by weather and connects you with a network of qualified, licensed contractors for permanent repairs.

Sinkholes Loss Coverage

Learn what you need to know about Sinkhole Loss coverage and claims at Citizens.