{"id":2610,"date":"2026-05-17T17:44:09","date_gmt":"2026-05-17T21:44:09","guid":{"rendered":"https:\/\/rtcinsuranceadvisors.com\/blog\/?p=2610"},"modified":"2026-07-21T07:27:46","modified_gmt":"2026-07-21T11:27:46","slug":"citizens-depopulation-florida-policy-assumption","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/citizens-depopulation-florida-policy-assumption\/","title":{"rendered":"Citizens Depopulation in Florida: Why Your Policy Was Assumed \u2014 And Why It\u2019s Actually a Good Thing"},"content":{"rendered":"<p>Florida Homeowners Are Confused \u2014 And Rightfully So<\/p>\n<p>If you\u2019re a Florida homeowner insured with Citizens, you may have recently received a letter saying your policy is being \u201cassumed,\u201d \u201cdepopulated,\u201d or \u201cnon\u2011renewed.\u201d Most people have no idea what this means. Many think they\u2019re losing coverage. Some think they\u2019re uninsured. Others don\u2019t even realize their policy has been moved.<\/p>\n<p>This process is normal, statewide, and in many cases, it\u2019s actually a good thing.<\/p>\n<div id=\"rtci-wrapper\" style=\"all:unset;display:block;\">\r\n<div style=\"text-align:center;margin:30px 0;\"><div class=\"tumble\" style=\"display:inline-flex;gap:12px;flex-wrap:wrap;align-items:center;\"><a href=\"https:\/\/www.robertcolucci.com\/reviews\/\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" src=\"https:\/\/www.robertcolucci.com\/wp-content\/uploads\/2026\/08\/google-rating-5-star.webp\" alt=\"Google 5-Star Rating\" style=\"height:50px;width:auto;\"><\/a><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Licensed Florida Insurance Agent<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Serving Florida Since 2008<\/div><div style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px\">Trusted by Realtors & Loan Officers<\/div><a href=\"tel:3522002066\" style=\"padding:8px 14px;border:1px solid #ccc;border-radius:6px;background:#fff;font-size:14px;color:#000;text-decoration:none;\">Call: 352\u2011200\u20112066<\/a><\/div><\/div>\r\n<div id=\"quoteform\"><\/div>\r\n<style>\r\n\/* Namespaced so nothing else on the site can interfere *\/\r\n.rtci-step { display:none; }\r\n.rtci-step.rtci-active { display:block; }\r\n\r\n.rtci-form {\r\n  max-width:600px;\r\n  margin:0 auto;\r\n}\r\n\r\n.rtci-row {\r\n  margin-bottom:15px;\r\n}\r\n\r\n.rtci-row label {\r\n  display:block;\r\n  font-weight:bold;\r\n  margin-bottom:5px;\r\n}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n  width:100%;\r\n  padding:10px;\r\n  font-size:16px;\r\n}\r\n\r\n.rtci-next,\r\n.rtci-prev,\r\n.rtci-submit {\r\n  padding:12px 20px;\r\n  font-size:16px;\r\n  margin-top:10px;\r\n  cursor:pointer;\r\n}\r\n<\/style>\r\n\r\n<div class=\"rtci-form\">\r\n  <h2>Get Florida Homeowners Insurance Quotes<\/h2>\r\n\r\n<style>\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline: none !important;\r\n    border: 2px solid #007bff !important;\r\n    box-shadow: 0 0 4px rgba(0, 123, 255, 0.4) !important;\r\n    transition: border-color 0.2s ease, box-shadow 0.2s ease;\r\n}\r\n<\/style>\r\n\r\n  <form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n\r\n    <!-- Honeypot -->\r\n    <input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div class=\"rtci-step rtci-active\">\r\n      <div class=\"rtci-row\">\r\n        <label>First Name *<\/label>\r\n        <input type=\"text\" name=\"first_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Last Name *<\/label>\r\n        <input type=\"text\" name=\"last_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Phone *<\/label>\r\n        <input type=\"text\" name=\"phone\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Email *<\/label>\r\n        <input type=\"email\" name=\"email\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Street Address *<\/label>\r\n        <input type=\"text\" name=\"street\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>City *<\/label>\r\n        <input type=\"text\" name=\"city\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>State *<\/label>\r\n        <input type=\"text\" name=\"state\" value=\"FL\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>ZIP Code *<\/label>\r\n        <input type=\"text\" name=\"zip\" required>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div class=\"rtci-step\">\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Number of Stories *<\/label>\r\n        <input type=\"text\" name=\"stories\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Square Footage *<\/label>\r\n        <input type=\"text\" name=\"square_feet\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Construction Type *<\/label>\r\n        <select name=\"construction\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Block\">Block<\/option>\r\n          <option value=\"Frame\">Frame<\/option>\r\n          <option value=\"Other\">Other<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Roof Year *<\/label>\r\n        <input type=\"text\" name=\"roof_year\" required>\r\n      <\/div>\r\n\r\n      <!-- \u2b50 NEW FIELD HERE \u2b50 -->\r\n<div class=\"rtci-row\">\r\n  <label>What Type of Policy Do You Need? *<\/label>\r\n  <select name=\"policy_type\" required>\r\n    <option value=\"\">Select<\/option>\r\n    <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n    <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n    <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n    <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n    <option value=\"Flood Only\">Flood Only<\/option>\r\n    <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n  <\/select>\r\n<\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 3 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Any claims in the last 5 years? *<\/label>\r\n        <select name=\"claims\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n          <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n          <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Current Insurance Status *<\/label>\r\n        <select name=\"current_insurance\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Yes\">Yes<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"New Purchase\">New Purchase<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 4 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Desired Dwelling Limit *<\/label>\r\n        <input type=\"text\" name=\"dwelling_limit\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Liability Limit *<\/label>\r\n        <select name=\"liability_limit\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$100,000\">$100,000<\/option>\r\n          <option value=\"$300,000\">$300,000<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Hurricane Deductible *<\/label>\r\n        <select name=\"hurricane_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"2%\">2%<\/option>\r\n          <option value=\"5%\">5%<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>All Other Perils Deductible *<\/label>\r\n        <select name=\"aop_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$500\">$500<\/option>\r\n          <option value=\"$1000\">$1000<\/option>\r\n          <option value=\"$2500\">$2500<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Additional Notes<\/label>\r\n        <textarea name=\"notes\" rows=\"4\"><\/textarea>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"submit\" class=\"rtci-submit\">Submit Quote<\/button>\r\n    <\/div>\r\n\r\n  <\/form>\r\n<\/div>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  const steps = document.querySelectorAll(\".rtci-step\");\r\n  const nextBtns = document.querySelectorAll(\".rtci-next\");\r\n  const prevBtns = document.querySelectorAll(\".rtci-prev\");\r\n  let currentStep = 0;\r\n\r\n  function scrollToForm() {\r\n    const formTop = document.querySelector(\".rtci-form\").offsetTop;\r\n    window.scrollTo({ top: formTop - 20, behavior: \"smooth\" });\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(step => step.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    scrollToForm();\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep < steps.length - 1) {\r\n        currentStep++;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep > 0) {\r\n        currentStep--;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n});\r\n<\/script>\r\n\r\n<\/div>\n<p><strong>What Is Citizens Depopulation?<\/strong><\/p>\n<p>Citizens Property Insurance is Florida\u2019s state\u2011run insurer \u2014 a last resort, not a long\u2011term solution.<\/p>\n<p>When private admitted carriers agree to take over Citizens policies, the state encourages it. This is called:<\/p>\n<ul>\n<li>Depopulation<\/li>\n<li>Policy Assumption<\/li>\n<\/ul>\n<p>It simply means a private insurance company has agreed to take over your Citizens policy.<\/p>\n<p>You are not being dropped.<br \/>You are not uninsured.<br \/>You are not losing coverage.<\/p>\n<p>Your policy is just being moved.<\/p>\n<p><strong>Why Is This Happening?<\/strong><\/p>\n<p>Florida wants fewer people on Citizens because:<\/p>\n<ul>\n<li>Citizens has grown too large<\/li>\n<li>It creates financial risk for the state<\/li>\n<li>Private carriers are returning to the market<\/li>\n<li>The state wants homeowners back in the private market<\/li>\n<\/ul>\n<p>So when an admitted carrier is willing to take your policy, Citizens must allow it.<\/p>\n<p><strong>What Homeowners Don\u2019t Realize<\/strong><\/p>\n<ol>\n<li>You still have insurance.<\/li>\n<li>You are now with an admitted carrier.<\/li>\n<li>Your coverage terms stay the same for the rest of the policy term.<\/li>\n<li>You can shop the rate at renewal.<\/li>\n<\/ol>\n<p>If you\u2019re unsure who your new carrier is, you can <a href=\"https:\/\/rtcinsuranceadvisors.com\/contact.htm\">contact an insurance advisor<\/a> to confirm your policy status.<\/p>\n<p><strong>Why a Policy Assumption Can Be a Good Thing<\/strong><\/p>\n<p>Being moved to an admitted carrier is often better:<\/p>\n<ul>\n<li>More coverage options<\/li>\n<li>Better customer service<\/li>\n<li>More flexible underwriting<\/li>\n<li>Often better claims handling<\/li>\n<li>You avoid Citizens\u2019 surcharges and assessments<\/li>\n<\/ul>\n<p>And most importantly, you remain fully insured.<\/p>\n<p><strong>What You Should Do After a Depopulation Notice<\/strong><\/p>\n<p>1. Don\u2019t panic \u2014 you\u2019re still insured<\/p>\n<p>Your coverage continues automatically.<\/p>\n<p>2. Save the assumption letter<\/p>\n<p>It contains your new carrier\u2019s name and policy number.<\/p>\n<p>3. Contact your agent if you\u2019re confused<\/p>\n<p>If you don\u2019t understand the letter, you can ask <a href=\"https:\/\/rtcinsuranceadvisors.com\/contact.htm\">questions about your Citizens assumption<\/a> anytime.<\/p>\n<p>4. Mark your renewal date<\/p>\n<p>This is when you can shop for better rates.<\/p>\n<p>5. Review your new carrier\u2019s renewal offer<\/p>\n<p>Some admitted carriers have great rates. Some don\u2019t. Renewal is the perfect time to <a href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\">review your renewal options<\/a>.<\/p>\n<p><strong>When Should You Shop Around?<\/strong><\/p>\n<p>No need to shop mid\u2011term unless something is wrong.<\/p>\n<p>But at renewal? Absolutely.<\/p>\n<p>Your assumed carrier may not have the best rate for your home, roof type, or location. Florida\u2019s market changes constantly.<\/p>\n<p>If you want help comparing carriers, you can <a href=\"https:\/\/rtcinsuranceadvisors.com\/contact.htm\">get help with your policy<\/a> anytime.<\/p>\n<p><strong>Final Thoughts<\/strong><\/p>\n<p>Citizens depopulation is confusing, but it\u2019s not a bad thing. It\u2019s a sign that Florida\u2019s insurance market is stabilizing and private carriers are returning.<\/p>\n<ul>\n<li>You\u2019re still insured<\/li>\n<li>You\u2019re now with an admitted carrier<\/li>\n<li>Your coverage continues<\/li>\n<li>You can shop at renewal<\/li>\n<\/ul>\n<p>If you want help reviewing your renewal or understanding your assumption, you can <a href=\"https:\/\/rtcinsuranceadvisors.com\/contact.htm\">speak with an insurance agent<\/a> today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Florida Homeowners Are Confused \u2014 And Rightfully So If you\u2019re a Florida homeowner insured with Citizens, you may have recently received a letter saying your policy is being \u201cassumed,\u201d \u201cdepopulated,\u201d or \u201cnon\u2011renewed.\u201d Most people have no idea what this means. Many think they\u2019re losing coverage. Some think they\u2019re uninsured. Others don\u2019t even realize their policy&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[],"class_list":["post-2610","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2610","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=2610"}],"version-history":[{"count":3,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2610\/revisions"}],"predecessor-version":[{"id":3360,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2610\/revisions\/3360"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=2610"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=2610"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=2610"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}