Citizens rates drop for policies starting July 2026
Rates fall for policies that start July 1, 2026 or later: 8.8% lower on average for home policies, 5.1% for wind-only. The drop varies by place.
Who this affects
Anyone with a Citizens policy that renews after July 1, 2026. Also anyone priced out in the past.
What to check
Look at your renewal offer — HO-3 and HO-6 primary homes must drop at least 2%.