The most important thing to know: if you have a Florida home insured with Citizens, you'll pay less at your next renewal in 2026. DeSantis announced an average reduction of 8.7% statewide, but in Miami-Dade it reaches [amount missing]. 13.9% and in Broward at 14.1%.
This isn't magic or philanthropy. The reforms that have been passed in Florida since 2022 (eliminating one-way attorney fees, abusive assignment-of-benefits, and revitalizing the private market) have finally reduced the system's real losses. And now those savings are being passed on to homeowners.
But there's a catch that many agents won't tell you about. We talk.
Citizens Insurance downsizing: the exact number by Miami-Dade area
EN YR InsuranceAs an independent insurance agency with over 14 years of experience in Florida, we can help you renegotiate your policy with this recent Citizens policy cut. Compare and get a quote. home insurance in Florida with over 100 companies and I got the best rate in Spanish.
To read the official statement on this Citizens Insurance cancellation For pricing information, you can consult the website of Citizens Property Insurance Corporation, the state insurer of Florida.
If your home is in Florida, Miami, Doral, Miami Lakes, or any ZIP in Miami-Dade County, the average drop is 13.9%But be aware: this is an average. Your actual discount depends on:
- Specific ZIP code (33015 / 33012 / 33016 / 33018 / 33010 may have different premiums)
- Age of the roof (most important)
- Your claims history
- If you have hardening (impact windows, shutters, reinforced roof)
- Policy type (HO-3 for own home, HO-6 condo, HO-4 tenant)
For an average homeowner in Florida who pays around $4,800/yearThe actual decrease will be between $400 and $700 per yearIt's not a miracle, but after 3 years of paying more with each renewal, you can feel it.
Update June 2026: Citizens' new file refines the numbers by region
In June 2026, Citizens unveiled a new file of rates for personal policies renewing from June 1st. state average It ended up in a low close to 2.6%This is more moderate than the 8.7% reported in the headline at the beginning of the year. Why did the average drop? Because not everyone is cutting equally: South Florida is experiencing the steepest cuts, and several counties in the central part of the state are actually go up.
- South Florida (Miami-Dade, Broward, Hialeah): Most customers see decreases in more than 11% upon renewal.
- Central Florida (Orange, Osceola, Lake, Brevard): many policies increase in 2026.
- In total: some 463,000 insured personal lines save on average about $359 compared to 2025.
The lesson for your home in Hialeah or Miami remains the same: the decline is real, but the number that matters is the one that matters. you Renewal letter, not the state average. If you live in South Florida, you'll probably get one of the better cuts; even so, it's worth comparing before sticking with Citizens, because the private market has added dozens of new insurers. You can confirm official records with the state regulator, the Florida Bureau of Insurance Regulation (FLOIR)and check your opciones de seguro de casa con YR Insurance Services no obligation.
The trap: roofs over 15 years old
Here's the catch. Citizens and almost all private companies are being very strict about older roofs. If your roof is more than 15 years old, you could face one of these penalties:
- Non-renewal: They simply don't renew your contract.
- Roof deductible separate: They raise the specific roof deductible to 2% or 5% of the value
- Inspection + replacement mandatory before renewing
- They switch you from RCV to ACV: Instead of paying you the replacement cost, they give you depreciated cash value (~50% less)
This happens INDEPENDENT OF the rate relief. In other words, on paper Citizens lowers your rate by 13.9%... but if they don't like your ceiling, they won't guarantee you any price.
Practical solution:
- I got a wind mitigation inspection recent (costs around $150) and claim all the discounts you're entitled to
- If your roof is nearly 15 years old, consider replacing it before your next renovation. It will save you years of high deductibles.
- Save before/after photos of improvements (shutters, impact glass, reinforced garage door) — that's worth money on the quote
Citizens' depopulation changes the game
This is key. Citizens went from having 1.4 million policies in 2023 to 396,000 todayThe difference went to private companies: Slide, Florida Peninsula, Edison, Universal Property and new Citizens-eligible carriers.
The good news: you have more options than two years ago. The bad news: private developers are only choosing "clean" homes (new roof, no claims, low-risk ZIP code), and those with a risk profile are still being targeted by Citizens.
In Florida specifically: many of our clients who were with Citizens now qualify for Slide or Universal Property at a discounted price minor than the new Citizens 2026 rate. In other words, you can not only save 13.9% with Citizens — you can save even more by switching.
How to take advantage of all this in your next renovation
Do this before accepting the Citizens renewal:
- Request the new Citizens 2026 tariff (they will send it to you 30-45 days before renewal)
- Get a quote from an independent broker that represents 10+ companies.
- Compare it line by line: dwelling coverage, hurricane deductible, flood, contents
- Request discounts for wind mitigation, roof year, security system, no claims
- If the private offer is cheaper AND has the same or better coverage, switch.
It's literally 30 minutes of your time. And in some homes, we're seeing savings of $1,200+ per year by 2026.
And watch out for the new flood requirement
Last important piece. From the January 1, 2026If your house is with Citizens and is worth more than $400,000They require you to have separate flood insurance. If you don't have it, Citizens won't guarantee wind coverage.
In 2027 this will be extended to ALL Citizens policyholders regardless of the value of the house.
If you've never had a flood and live in Florida, this applies to you: flood insurance is separate from homeowners insurance—it's never included. In some areas of Florida, the cost ranges between $300 and $900 per year depending on the flood zone where your house is located.
Do you want to know how much you'll pay for your 2026 renewal?
We'll give you a comparative quote comparing Citizens vs. +12 private banks in under minutes. Free. No obligation. 100% in Spanish.
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If you want to understand the home insurance market with official data, look The real insurance figures in Florida 2026.
Citizens in 2026: what might change in your renewal
Adjustments from Citizens and the entry of private insurers can move your premium in either direction. This table summarizes, in general terms, which factors influence it; your final number depends on your specific situation.
| Factor | Possible effect on your renewal |
|---|---|
| Zone and risk profile | The premium may go up or down depending on the region. |
| Age of the roof | An old roof can increase the price or limit the supply. |
| Depopulation offers | A private company may offer different conditions. |
| Flood requirements | They can add additional coverage to the total cost |
Common mistakes when renewing your home insurance in Hialeah
- Renew automatically without comparing: If you don't request a new quote, you could end up overpaying even if the market has gone down.
- Neglecting the condition of the roof: Many insurers tighten conditions depending on the age of the roof, so checking it in time can change your premium.
- Ignore depopulation offers: When a private insurer offers to take your policy, it's advisable to evaluate it rather than dismiss it without a second thought.
Frequently asked questions about the withdrawal of Citizens 2026
How much will my cousin's Citizens stock drop in Florida?
For homes in Miami-Dade, the average rate relief is 13.9%. For a premium of $4,800/year, that's between $400 and $700 less per year. Your exact discount depends on the ZIP, roof age, claims history, and wind mitigation discounts.
Why did Citizens lower its fares right now?
DeSantis implemented reforms starting in 2022 that eliminated abuses of assignment-of-benefits and one-way attorney fees. Three years later, claims decreased, reserves recovered, and therefore premiums can now be lowered.
Does my old roof leave me without insurance even if rates go down?
Possible. Citizens and most private housing authorities are being strict about roofs older than 15 years. They may refuse to renew or require inspection. Before renovating, get a wind mitigation inspection and consider whether replacing the roof is worthwhile.
Should I stay with Citizens or move to a private club?
It depends. Citizens is offering a 13.9% discount in Miami-Dade, but many private developers (Slide, Florida Peninsula, Universal Property) are offering even lower prices for homes with new roofs and no claims. Get a comparative quote before renovating.
Is it true that I now have to have separate flood insurance?
Yes, if your home is worth more than $400,000 and you're a Citizens policyholder, you'll be required to have a separate flood insurance policy starting January 1, 2026. In 2027, this applies to ALL Citizens policyholders regardless of property value. In Florida, flood insurance costs between $300 and $900 per year.
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