Florida
Florida Citizens takeout carriers — how to compare the assuming company
Takeout carriers are private Florida insurers approved to assume Citizens policies. They are not interchangeable: ratings, claims reputation, and policy forms vary, and the assuming carrier is who you will deal with after a hurricane.
Show my quotes →What moves the price
- Financial strength: A-rated or Demotech-rated, and reinsurance depth
- Claims-handling reputation and complaint history in Florida
- Policy form differences: water damage sublimits, roof settlement, law and ordinance
- Whether the carrier writes your county, roof age, and construction type long term
- Renewal behavior — a low first-year price means little if year two jumps
What to check before accepting an assumption
Read the assumption notice next to your current Citizens declarations page and compare line by line:
- Coverage A, hurricane deductible, and all-other-perils deductible
- Roof settlement: replacement cost vs. actual cash value by roof age
- Water damage limits and any mold or seepage sublimits
- Ordinance and law percentage for code upgrades during repairs
- Whether flood is required or bundled in your flood zone
Compare the takeout against the whole market
We only quote A-rated and Demotech-rated Florida carriers, and we label any hazard-only quote that excludes wind or hurricane coverage so a cheaper number never hides thinner protection.
Common questions
Approved takeout carriers must meet Florida regulatory and financial requirements, but strength varies. Check the rating and claims reputation of the specific assuming carrier before accepting.
Yes. You can buy your own private policy before the assumption date instead of accepting the assuming carrier, as long as coverage starts without a lapse.
Related: Florida flood zones · Condo HO-6 insurance · Quotes by city
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