If your home is insured through Citizens Property Insurance Corporation, an important deadline is approaching!
Beginning January 1, 2027, Citizens’ flood insurance requirements expand to include remaining eligible residential properties, regardless of the home’s insured value or flood zone.
Here’s what Florida homeowners should know:
✅ Flood Insurance May Be Required: Even homes outside designated high-risk flood zones may need a separate flood insurance policy to maintain Citizens coverage.
✅ Homeowners Insurance Doesn’t Cover Flooding: Standard homeowners policies generally exclude flood damage, making separate flood insurance important.
✅ Some Policies Are Exempt: Certain policies, including condominium unit-owner policies and policies that exclude wind coverage, are exempt from this requirement.
✅ You May Have Other Options: Other homeowners insurance companies may offer coverage without requiring a separate flood insurance policy.
Don’t wait until your renewal to explore your options!
At Dennis Insurance Agency, we can help you understand Citizens’ flood insurance requirements, obtain a flood insurance quote, or explore alternative homeowners insurance options.
Dennis Insurance Agency — Your Local Independent Insurance Agency.
