![](\"https:\/\/www.floridarealtors.org\/sites\/default\/files\/styles\/full_width_main_image\/public\/page\/image\/2019-07\/insurance.jpg?h=6eaae919&itok=B_3BAGoc\")
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Every county has at least one home covered by Fla.-owned Citizens Property Ins. An average 3.7% increase is as high as 7.6% in one \u2013 but a 0.6% drop in Miami-Dade.<\/span><\/span><\/p>\n<\/div>\n TALLAHASSEE, Fla. \u2013 Citizens Property Insurance Corp.\u2019s Board of Governors on Wednesday will be asked to approve a 2021 rate package recommendation that reflects the impacts of reinsurance costs, litigation and nonweather related water losses.<\/span><\/span><\/p>\n At the meeting, board members will consider a statewide average increase of 3.7% for personal lines\u2019 policyholders \u2013 homeowners, condominium unit owners, mobile homeowners, dwelling and renters. If approved by the Office of Insurance Regulation (OIR), the 2021 rates would go into effect for new and renewal policies after Aug. 1, 2021.<\/span><\/span><\/p>\n However, the actual increase \u2013 and in two cases, average decreases \u2013 varies by Florida county. For Multiperil HO3 coverage, Duval County\u2019s recommendation tops the list, calling for an average 8.3% increase. At the other end of the spectrum, recommended rates would decrease in Miami-Dade (down 0.6%) and Gulf counties (down 4.6%).<\/span><\/span><\/p>\n A PDF of increases\/decreases<\/a> proposed for all Florida counties is posted on Citizens\u2019 website. A separate page \u201cmedia kit\u201d<\/a> has Q&As, charts and more that explain the rate-increase filing.<\/span><\/span><\/p>\n By law, Citizens must recommend actuarially sound rates, and also comply with a legislative glide path that caps individual rate increases at 10%, excluding coverage changes and surcharges.<\/span><\/span><\/p>\n\n