The coverage map · Florida
Carrier-by-carrier status for new Florida home business in 2026, covering who writes, who restricted, and the takeout carriers absorbing Citizens policies, with every row dated and sourced from regulator or carrier records. This page carries no partner links.
Citizens, the state-backed insurer, fell from a 2023 peak of about 1.42 million policies to 278,061 by July 24, 2026, as depopulation moved policies to private carriers. In December 2025 Citizens recommended rate decreases for most policyholders, its first since 2015, and by late November 2025 the state had logged 73 rate-decrease filings and 94 zero-increase filings. Florida law requires 120 days’ written notice before non-renewal of a residential policy (statute 627.4133).
| Carrier | New home business? | The record |
|---|---|---|
| Citizens (state-backed) | Open, last resort | 278,061 policies in force as of July 24, 2026, down from a 1.42 million peak in 2023 as private carriers absorb policies. |
| State Farm Florida | Open, selective | Roughly 640,000 Florida policies; 2026 underwriting is restrictive on coastal ZIPs, 15-plus-year roofs, and pre-2001 homes. |
| Progressive Home (ASI) | Restricted | Announced more than 100,000 non-renewals in April 2024; writing in parts of the state, not statewide, as of 2026. |
| Farmers (Farmers-branded) | Exited | Left in July 2023, about 100,000 policyholders; Slide acquired the renewal rights. Foremost and Bristol West subsidiaries still operate. |
| Slide | Open, growing | Major Citizens takeout writer; authorized to assume up to 100,000 more Citizens policies February to April 2026. |
| Mangrove Property | Open | New entrant licensed January 15, 2025; authorized for up to roughly 162,000 Citizens assumptions in 2025. |
| Loggerhead | Open | Approved in late 2022, writing Florida homeowners. |
| New entrants since reform | Open | 20 property and casualty carriers have entered Florida since the 2022-23 legislative reforms, per the state regulator in May 2026. |
If your carrier drops you, Florida requires 120 days’ written notice before non-renewal under statute 627.4133. That window is the real shopping clock a dropped homeowner gets. The Uninsurable America files track what happens inside it.
Every figure on this page traces to the records below, with the data vintage stated in the table.