Citizens is still the largest Insurer and they were supposed to be the Insurer od last resort. However, price freezes, Mitigation discounts and the lack of copanies sharing the risks has caused them to be competitive. This has also caused our cat fund to be 19 billion short with no end in sight. Prices are now on the rise starting 1/1/2010, but will that be too little too late. Please read the entire story here;