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Should you drop your home insurer and go to state-owned Citizens?

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As prices for private market insurance skyrocket in Florida and insurers pull out of South Florida and other regions altogether, state-owned Citizens Property Insurance Corp. is picking up the slack. Citizens' rates hikes are capped at 10% each year by state law. But should the lower price induce consumers who have private market insurance to think about switching? Here's what you need to know.


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