Welcome to Mangrove Insurance

Great News! It means that your policy was selected to be taken out of the government run Citizens Property Insurance Company and placed with Mangrove Property Insurance Company.

The Depopulation program was developed by Citizens with authorization from the Florida legislature. The program was created to reduce the number of policies and exposure Citizens currently assumes and to encourage new as well as existing insurance companies to grow their Florida market share. This benefits all Floridians by preventing or reducing assessments charged to all property insurance consumers. As a result, Florida’s insurance market becomes healthier as private companies offer coverage for our state’s growing number of residents.

The Florida Office of Insurance Regulation approved Mangrove’s certificate of authority to provide P&C coverage in Florida on January 15, 2025. Mangrove was established with the strategic vision of providing sustainable, long-term P&C solutions tailored to Florida’s unique market, and is designed to meet the evolving needs of policyholders and independent agents. We are a Florida domiciled property insurance company with a Demotech rating of A Exceptional. We encourage you to explore our website to learn more about our combined Florida insurance experience and the Mangrove mission.

Your agent and the Florida Office of Insurance Regulation have endorsed Mangrove to assume your Citizens policy. By accepting Mangrove’s offer, it is a fantastic way to enter back into the private insurance market and obtain expanded coverage, a lower risk of premium assessments and expedited claims handling.

If the date of loss occurs on or after the assumption date, Mangrove will oversee your claim. You may contact our Claims Department at 877-700-3727. *All claim inquiries for losses that occurred prior to the assumption date should be directed to Citizens at 866-411-2742.

Yes, you can keep your agent.

The renewal offer will be available approximately 60 days prior to the expiration date of your Citizens policy.

We offer Annual, Semi-Annual, and Quarterly payment plans. However, we do not offer payments made by Third-Party premium finance companies. Credit Card and ACH payments are also accepted.

Mangrove intends to keep policies assumed through the depopulation program. Policies are selected based on criteria provided by Citizens. If a substantial change in risk occurs, we will communicate with the policyholder and agent regarding any action to be taken. Mangrove, like other insurance companies, may cancel or non-renew assumed policies in accordance with Florida statutes and OIR guidelines.

When Mangrove assumes your policy, you will enjoy the same coverages that the current Citizens policy has.

HO3 Coverage Comparison from Citizens

You will continue to be served by Citizens until the normal expiration date of your current Citizens policy. All premium payments, questions, and changes should continue to be directed to your agent or Citizens until you receive your renewal policy from Mangrove. Once your policy renews with Mangrove, we can be contacted at 877-700-3727 for policy service.

Yes, your mortgage company will be sent the renewal offer.

• Your Agent
• Citizens Property Insurance Corporation: https://www.citizensfla.com//es/depopulation
• Citizens Customer Care Center: 866-411-2742
• Mangrove Property Insurance Company: 877-700-3727

No, Mangrove does not require you to obtain flood insurance coverage. However, we strongly recommend discussing flood insurance options with your insurance agent, as your policy with Mangrove does not cover damage caused by rising water or flooding.