CORE, a new Florida home insurer, starts with HO-3 home policies
HCI Group launched CORE on April 6, 2026 to take homes out of Citizens. HO-3 only, dwelling coverage to $1.2 million, and no distance-to-coast rule.
Who this affects
Citizens customers told no one else would take them, above all near the coast.
What to check
Ask your agent for a CORE quote when your Citizens policy renews.
Checked Oct 2026. Rules change often. Ask the agent to confirm.