New to Trident from Citizens? We have answers to your questions in our Welcome Guide.
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Welcome to Trident!
The Citizens Depopulation Program
Citizens is designed to be a true insurer of last resort when all options have been exhausted and encourages the growth of private insurance companies in the state of Florida. With Florida Legislature authorization, the depopulation program pairs Citizens policyholders with approved private insurance companies.
This program benefits policyholders by not only offering more coverage options but also strengthens Florida’s insurance market and helps reduce costs for all property insurance consumers, creating a healthier insurance environment for Florida’s growing number of residents.
The Citizens Depopulation Program
In accordance with Florida law, the depopulation program pairs Citizens policyholders with approved private insurance companies to reduce the number of policies the state-run insurer has. This placement helps policyholders avoid possible assessment fees on their Citizens policy (up to 45% of your premium) and offers more coverage options to Florida residents. Learn more.
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| Loss Settlement | Replacement Cost | Actual Cash Value on non-building structures |
| Maximum Coverage A | $1,750,000 | $700,000 (except Miami-Dade) |
| Cosmetic damage to floors | $10,000 | None |
| Person Property | Greater limits for Money, Securities, Watercarft, Trailers, Jewelry, firs, firearms, Business Property, and includes Theft away from premises | Lower limits or no coverage on these same properties |
| Winstorm or Hail Exclusion | Available | Not Available |
| Actual Cash Value due to roof ag | Available | Not Available |
| Actual Cash Value due to roof type | Available | Not Available |
| All Other Perils deductibles | $500, $1,000, $2,500, $5,000, $10,000 | $500, $1,000, $2,500 |
Meet Trident
Your Community is Our Community
We live, work, and play in Florida so we understand the unique needs of Florida homeowners and the challenges of the Florida insurance market.
Meeting Florida's Insurance Needs
Our team at Trident Insurance is headquartered in Lake Mary, FL and was founded in 2022 by insurance industry veterans with decades of experience to address the growing need for greater insurance options in our state.
We’re Financially Stable
We’ve earned an Insurance Financial Strength Rating of ‘BBB’ from KBRA and are proud to offer our members individualized coverage, compassionate claims service, and a supportive insurance community.
Depopulation FAQ
We Have Answers
Absolutely! Your current agent will continue to service your insurance policy with Trident.
Nothing! Your policy will automatically renew with Trident with the terms stated in the letter you received.
If you would like to adjust the coverages or deductibles on your new Trident policy to something other than what is stated in your letter, contact your agent and they can make these changes for you.
Nope! If your mortgage company pays your insurance premiums, Trident will notify them, provide any necessary information, and send your invoices to them for payment.
If your private-market renewal offer is not more than 20% higher than your Citizens renewal premium, you will not be eligible to stay with Citizens. You do not need to take any action and can automatically accept the Trident policy.
If the private-market renewal offer is more than a 20% higher than your Citizens renewal premium, you may be eligible to retain your Citizens policy.
