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Personal Lines Bulletin


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2017 Rate Changes



December 05, 2016

The Florida Office of Insurance Regulation (OIR) has approved changes to Citizens’ annual rates. These changes apply to new and renewal policies with effective dates on or after February 1, 2017. The changes are outlined below.

Rate Changes

Citizens’ 2017 rate changes reflect an average 6.7 percent increase. Rating tables in the underwriting manuals have been updated with new factors.

For more information, review the personal lines underwriting manuals for the specific line of business.

Rate changes vary by policy type and are subject to a 10 percent cap, excluding coverage changes, mitigation adjustments, Sinkhole Loss coverage rate changes, surcharges and a required rapid cash-build-up provision for the Florida Hurricane Catastrophe Fund, if applicable.

Notice of Change in Policy Terms

A Notice of Change in Policy Terms will be included with 2017 renewal offers. The content of each notice varies by policy form. These notices can be found in the Policyholder Notices section for each line of business on the Personal section of the Agents site.

Website Changes

Log in to the Agents site to see:

  • Updated Rate Changes by Territory charts on the Personal section for each line of business
  • Updated rating worksheets and underwriting manuals on the Personal section for each line of business
  • Directions for how to locate a policy-specific rating worksheet in PolicyCenter®: Select Search Frequently Asked Questions at the top of the page, and enter 3008 in the search field.

Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.