Citizens Depopulation

Homeowners Insurance

At Patriot Select, we understand the importance of protecting your assets in Florida’s dynamic environment. Our property and casualty insurance policies are tailored to address the unique risks faced by property owners in the Sunshine State, providing comprehensive coverage and peace of mind.

Patriot Select offers the standard homeowners insurance policy (HO-3) that provides coverage for your home and your belongings should a covered loss occur. It also provides other essential protection for you and your property.

Why Patriot Select?

“To support responsible growth, Florida needs more accessible, affordable, and dependable homeowners’ insurance. Our headquarters are in beautiful Tampa Bay, and we are here to help ensure Florida’s future.”

We have trusted agents throughout Florida who are ready to help you find the best coverage options to meet your family’s needs.

Patriot Select Property and Casualty has received an A, Exceptional, Financial Stability Rating® (FSR) from Demotech, Inc. This rating indicates that, even in the face of a significant economic downturn or challenges within the insurance industry, insurers with an A rating demonstrate exceptional financial stability, maintaining policyholder surplus at a robust level. Our financial strength is further bolstered by reinsurance partners approved by the Florida Department of Insurance, each holding an A.M. Best Financial Strength Rating ranging from “A-” to “A++”.

We have trusted agents throughout Florida who are ready to help you find the best coverage options to meet your family’s needs.

What is the Citizens Depopulation Program

With authorization from the Florida Legislature, Citizens developed the Depopulation Program to reduce the number of policies it holds and encourage more insurance companies to operate in Florida. Details of the program can be found in section 627.351(6) of the Florida Statutes. This initiative enables companies like Patriot Select to transition Citizens’ policies to the private insurance market, thereby strengthening Florida’s insurance market.

If Patriot Select has assumed your Citizens policy, your Citizens coverage will continue as usual until your renewal date. Before your renewal, you will receive an offer from Patriot Select. At that point, you can work with your agent to tailor your coverage to better suit your needs. For a summary of the key differences between Citizens and Patriot Select, please refer to the Patriot Select Coverage Comparison Worksheet.

Coverages	Citizens	Patriot Select
Coverage A Limits	$700K	Up to $3,000,000
Personal Liability Coverage	$100K	Options of $100K,$200K, $300K, or $500K.
Flood Insurance Requirement	Yes	No
Screen Enclosure Coverage	No	Yes
Package Endorsement options	No	Patriot Package, Minuteman Package
Water back up	No	Yes
Animal Liability	No	Yes
Limited Fungi, Wet or Dry Rot, Yeast, or Bacteria Coverage Increased Limits	$10K	$50K

*You may qualify for enhanced coverages and additional credits. Please contact your agent to review your coverage options.

Discounts

Senior/Retiree– A 10% discount applies to policies where the applicant / named insured is at least age 60, or at least age 55 and also retired.
Veteran/Military – A 5% discount is available when any named insured is active duty or retired from the U.S. Armed Forces as evidenced by a current or expired proof of military service.
Secured Community/Building – A discount may apply for homes located in protected communities.
Accredited Builder – Applies to new homes built by an accredited builder who meets certain criteria.
Protective Device – A discount may apply to fire protection types or home security systems.
Age of Roof – A discount is given for HO-3 policies with an age of roof 10 years old and newer.
Windstorm Loss Mitigation Discounts – Protecting your property can make a difference in your insurance costs. When a policy covers the peril of Windstorm or Hail, the risk may be eligible for a premium credit up to a maximum of 90% of the wind premium if one or more loss mitigation features or construction techniques exist. Supporting documentation that substantiates the existence of loss mitigation features is required in order to receive the credits. Speak with your agent to see if you qualify or find out what steps you must take to request discounts.