The Disadvantages to Citizens Insurance

  The past few years have been quite challenging for the home insurance market in Florida. As carriers continue fighting Assignment of Benefit (AOB) claims, insurers are finding themselves increasing premiums and tightening eligibility guidelines to keep their companies financially sound. The situation in Florida has become so dire that several insurance carriers have been forced into receivership while many others have completely ceased writing new business within the state of Florida.  With the thinning of the insurance market, many property owners have turned to Citizens, the state’s government-funded insurance program. However, there are some items to consider before switching your home’s coverage to the “insurer of last resort”.  What is Citizens? In 2002, Florida legislation approved the merger of two entities, the Florida Residential Property and Casualty Joint Underwriting Association and the Florida Windstorm Underwriting Association to become Citizens Insurance. The program w

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