CORE, a new Florida home insurer, starts writing HO-3
HCI Group launched CORE on April 6, 2026 to take homes out of Citizens. HO-3 only, dwelling coverage to $1.2 million, and no distance-to-coast rule.
Who this affects
Citizens customers told no one else would take them — above all near the coast.
What to check
Ask your agent for a CORE quote when your Citizens policy renews.
Source
CORE agent bulletins, 3/25, 4/1 and 4/28/2026 (HO-3 launch 4/6/2026)