Florida · personal lines residential risks that are primary residences
What is the program name for Florida · personal lines residential risks that are primary residences?
For Florida, coverage category is personal lines residential risks that are primary residences; program name is Citizens Property Insurance Corporation; citation / source is Fla. Stat. § 627.351(6)(c)5.a; eligibility / ineligibility rule is the risk is not eligible for any policy issued by the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the premium for comparable coverage from the corporation; effective / announcement date is April 1, 2023, recorded from its source on 2026-08-19; source re-checked 2026-10-01.
with respect to personal lines residential risks that are primary residences, if the risk is offered coverage from an authorized insurer at the insurer’s approved rate under a standard policy including wind coverage or, if consistent with the insurer’s underwriting rules as filed with the office, a basic policy including wind coverage, for a new application to the corporation for coverage, the risk is not eligible for any policy issued by the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the premium for comparable coverage from the corporation. Whenever an offer of coverage for a personal lines residential risk that is a primary residence is received for a policyholder of the corporation at renewal from an authorized insurer, if the offer is equal to or less than the corporation’s renewal premium for comparable coverage, the risk is not eligible for coverage with the corporation for policies that renew before April 1, 2023; for policies that renew on or after that date, the risk is not eligible for coverage with the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the corporation’s renewal premium for comparable coverage.
— flsenate.gov, retrieved 2026-08-19
- State
- Florida
- Program name
- Citizens Property Insurance Corporation our reading
- Citation / source
- Fla. Stat. § 627.351(6)(c)5.a. our reading
- Coverage category
- personal lines residential risks that are primary residences verified
- Eligibility / ineligibility rule
- the risk is not eligible for any policy issued by the corporation unless the premium for coverage from the authorized insurer is more than 20 percent greater than the premium for comparable coverage from the corporation verified
- Effective / announcement date
- April 1, 2023 verified
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
Source
- flsenate.govhttps://www.flsenate.gov/Laws/Statutes/2025/627.351