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Property Insurance
HB 1307 cleared its final committee stop this week, proposing changes to the operations the state-run property insurer, Citizens Property Insurance Corporation. Under current law, Citizens will only cover new homeowner policies if other policies are more than 20 percent higher than the premium it would charge for comparable coverage from the corporation. Citizens will not underwrite renewal policies if another insurer’s premium is equal to or less than what the corporation would charge. Beginning in 2023, the bill proposes that Citizens would no longer cover renewal policies unless an outside insurer’s premium is higher than what the corporation would offer by a specific percentage: 4% for policies that renew during 2023; 8% percent for policies that renew during 2024; 12% for policies that renew during 2025; 16% for polices that renew during 2026; and 20% for policies that renew during 2027 and beyond. SB 1728 is being heard in its last committee stop on Monday. To read more, click HERE.