Citizens files home rate at $343/mo in Florida, effective 2026-01-01
Updated May 21, 2026 — PolicyChat refreshes this page when new state DOI filings post.
Citizens filed a new Florida home rate baseline at $343/mo, effective 2026-01-01. The filing makes Citizens one of the cheapest among the 2 carriers tracked here.
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What’s driving this
Florida’s insurance market is restructuring after the 2022 legislative reforms (SB 2A) eliminated assignment-of-benefits abuse and capped attorney-fee multipliers. Carriers that had exited or were on the brink of insolvency are starting to write new business again, but home rates remain among the highest in the country.
All recent Florida home carrier filings
| Carrier | Filed Rate | Effective | Source |
|---|---|---|---|
| Citizens | $343/mo | 2026-01-01 | State DOI |
| State Farm | $350/mo | 2025-12-01 | State DOI |
Other recent filings + market moves
- State Farm filed a 14.2% FL home rate increase effective December 2025 (SFG-FL-2025-HOME-03).
- Citizens depopulation program transferred ~430K policies to private carriers through Q4 2024.
Methodology: /methodology/rate-authority/
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