Property insurance crisis
Navigating dropped policies, non-renewals, or soaring premiums? Choose your state to explore plans of last resort and connect with our professional advisor network.
State Insurance Rules Lookup
Select a high-impact state to check last-resort carrier guidelines.
Citizens Property Insurance Corporation
Florida's state-backed insurer of last resort. Currently undergoing a massive 'Takeout Program' to transfer policies to private carriers.
Takeout Rule: If a private admitted insurer offers a premium within 20% of Citizens' rate, you are legally required to accept it.
Obtain a Wind Mitigation Inspection. Secondary water resistance and hip roof shapes can reduce premiums by up to 40%.
Check Property Risk
Verify your hazard zone classification and get customized recommendations.
Connect with our Professional Advisor Network
Don't navigate dropped policies alone. Submit your scenario below to get a complimentary consult with an independent insurance specialist, legal advocate, or partner broker in our verified network.
Quick Info
What is a Surplus Line?
Surplus lines write high-hazard risks rejected by standard state insurance carriers. They charge higher premiums and are not protected by state guaranty funds.
How do I verify a broker?
Ensure your independent broker holds an active general lines agent license in your state's Department of Insurance.
Protect Your Home & Verify Your Options
Guardian AI provides completely free, non-alarmist property intelligence to help you stay ahead of scams and verify your legal rights.
Disclaimer: This guide is provided for general educational purposes only. Guardian AI is not an insurance agency, policy underwriter, or licensed broker. Referrals connect homeowners with independent licensed specialists in our network.