When you’re reviewing your Florida homeowners insurance coverage, one of the most important distinctions you’ll see is Replacement Cost versus Actual Cash Value (ACV). These terms determine how much money you’ll receive after a loss—whether it’s damage to your dwelling or your personal property. In a state like Florida, where hurricanes, windstorms, and tropical weather…

Florida Homeowners Are Confused — And Rightfully So If you’re a Florida homeowner insured with Citizens, you may have recently received a letter saying your policy is being “assumed,” “depopulated,” or “non‑renewed.” Most people have no idea what this means. Many think they’re losing coverage. Some think they’re uninsured. Others don’t even realize their policy…