Farmers Insurance ends about 100,000 Florida home, auto and umbrella policies
Short record: the main facts, with sources. A full case file has not been prepared.
Farmers Insurance stopped its Farmers-branded home, auto and umbrella policies in Florida in July 2023, citing risk exposure. Florida's state-run Citizens Property Insurance peaked at about 1.4 million policies and fell below 400,000 by December 2025; the sources do not link the exit to any environmental outcome.
- About 100,000 Farmers Florida policyholders — had their home, auto and umbrella policies stopped Tampa Bay Times
What happened
Farmers Insurance stopped Farmers-branded home, auto and umbrella policies in Florida on 11 July 2023, affecting about 100,000 customers, according to the Tampa Bay Times.
Citizens Property Insurance peaked at about 1.4 million policies in September 2023 and fell to 396,387 by December 2025 as private insurers took policies over, WUSF reported.
Florida Trend reported in November 2025 that a state law accepts private offers up to 20% above Citizens' premium, and that Citizens could collect from all state policyholders if it fell short.
In court and with insurers
Lawsuits and rulings
Insurers
What we don't know
Nature
- Not measured Harm to nature: The record holds no measurement of harm to nature.
Record
- None on record The sources reviewed do not say how many of the 100,000 customers found replacement cover.
- None on record The sources reviewed do not say whether the Citizens collection provision has been used.
Did the harm stop?
Not stated in the sources reviewed.
Who paid?
Not stated in the sources reviewed.
Sources
Press and investigations
- Farmers Insurance stops Florida home, auto and umbrella policiesTampa Bay Times · 11 Jul 2023
- Citizens Property Insurance now has fewer than 400,000 policiesWUSF · 2025-12-27
- Citizens Property Insurance: 20260531 Policies in Force - PublicCitizens Property Insurance · 2026-05-31
- Citizens policies now lowest level since 2019Florida Trend · 2025-11-26
Connected cases
- California FAIR Plan policies rise 152% as Florida Citizens shrinks United States · 2022–2026
- Farmers Insurance (Insurer) — here: insurer that stopped the policies; there: Stopped writing Florida home, auto and umbrella policies
- Citizens Property Insurance (Florida) (Public authority) — here: state-run insurer whose policy count fell; there: Florida state-run insurer; policy count fell
- California homeowners' insurance retreat United States · 2022–2026
- Farmers Insurance (Insurer) — here: insurer that stopped the policies; there: Left Florida home, auto and umbrella market (2023)
- Citizens Property Insurance (Florida) (Public authority) — here: state-run insurer whose policy count fell; there: Florida state-run insurer
- Florida Citizens depopulation and insurer affiliate profits United States · 2017–2026
- Farmers Insurance (Insurer) — here: insurer that stopped the policies; there: Insurer that stopped branded Florida policies
- Citizens Property Insurance (Florida) (Public authority) — here: state-run insurer whose policy count fell; there: State-run insurer of last resort