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High premiums keep Florida homeowners with state insurer of last resort

Private insurers were expected to reduce the role of Florida’s not-for-profit Citizens Property Insurance Corp., but many homeowners face steep premium quotes that keep them with the state-backed insurer.

Published May 18, 2026, 7:36 AM EDT | WFMZZ

Private insurers were expected to take on more Florida policies to shrink the not-for-profit Citizens Property Insurance Corp., but many homeowners are receiving sky-high premium offers. Because private market quotes remain costly, policyholders are staying with Citizens, the state’s insurer of last resort.