The Sunshine State welcomes you to the… Florida Game of Insurance

Start. Do you have a mortgage?

1. No. Do you wish to voluntarily purchase homeowners insurance?
   1. No. How about flood insurance?
      1. No. Go bare, self-insure. End, no insurance
      2. Yes. Need more coverage than NFIP limit?***
         1. No. Purchase NFIP policy. End.
         2. Yes. Purchase NFIP policy + private flood insurance. End.
   2. Yes. Same as “yes” answer to first question (next bullet point).
2. Yes. Is a policy available in the private market and is it not too costly*?
   1. No. Enter citizens clearinghouse to buy state backed policy. Mandated to purchase flood insurance?**
      1. No. Wish to voluntarily buy flood insurance?
         1. No. End.
         2. Yes. Need more coverage than NFIP limit?***
            1. No. Purchase NFIP policy. End.
            2. Yes. Purchase NFIP policy + private flood insurance. End.
      2. Yes. Need more coverage than NFIP limit?***
         1. No. Purchase NFIP policy. End.
         2. Yes. Purchase NFIP policy + private flood insurance. End.
   2. Yes. Does insurer exclude windstorm peril?
      1. No. Purchase policy with windstorm deductible. Mandated to purchase flood insurance?**
         1. No. Wish to voluntarily buy flood insurance?
            1. No. End.
            2. Yes. Need more coverage than NFIP limit?***
               1. No. Purchase NFIP policy. End.
               2. Yes. Purchase NFIP policy + private flood insurance. End.
         2. Yes. Need more coverage than NFIP limit?***
            1. No. Purchase NFIP policy. End.
            2. Yes. Purchase NFIP policy + private flood insurance. End.
      2. Yes. Purchase homeowners insurance without windstorm and private wind-only policy. Mandated to purchase flood insurance?**
         1. No. Wish to voluntarily buy flood insurance?
            1. No. End.
            2. Yes. Need more coverage than NFIP limit?***
               1. No. Purchase NFIP policy. End.
               2. Yes. Purchase NFIP policy + private flood insurance. End.
         2. Yes. Need more coverage than NFIP limit?***
            1. No. Purchase NFIP policy. End.
            2. Yes. Purchase NFIP policy + private flood insurance. End.

End.

*Can only purchase policy from Citizens Property Insurance if no private policy is available for less than 120% of Citizens’ rate
**If you live in a flood zone or are a policyholder with Citizens (phased in over four years starting April 2023)
***National Flood Insurance Program policies have a $250,000 limit

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