Frequently Asked Questions

VYRD is reimagining what it means to insure homes in Florida, combining deep expertise, financial strength and a technology-first mindset to meet the unique needs of Sunshine State homeowners and the agents who serve them. Our approach means more effective prevention, better protection, and a smoother customer experience.

How can I get homeowner’s insurance from VYRD?

Currently, only certain homeowners with policies held by the Citizens Property Insurance Corporation are eligible to move their policy to VYRD. These homeowners will receive a letter from Citizens detailing VYRD’s offer. If you do not receive a letter from Citizens or are not a Citizens policyholder, you can sign up to be notified when VYRD is available to you.

What is a takeout offer?

A takeout offer is an offer from a private insurance company, such as VYRD, to assume responsibility for a policy currently managed by the state-run Citizens Property Insurance Corporation. Citizens and the Florida Office of Insurance Regulation thoroughly vet companies that participate in the takeout process, sometimes called “depopulation.” Homeowners eligible for the takeout program will receive a letter from Citizens detailing their offer(s) and outlining instructions for responding.

Why did I receive a takeout offer?

As a state-run program, Citizens Property Insurance Corporation is intended to offer policies only for homes that cannot be insured on the private market. If you received a takeout offer letter it is because Citizens, in collaboration with an insurer like VYRD, determined that you can receive better protection with less financial risk through private-market insurance.

I received a takeout offer letter. Why should I accept VYRD’s takeout offer?

VYRD is combining deep expertise, financial strength and the latest technology to meet the unique needs of Florida homeowners and the agents who serve them. Our approach means more effective prevention, better protection, and a smoother customer experience.

We encourage you to speak to your insurance agent about your options. Your agent can help you understand which option is best for your situation. Most Citizens policies provide minimal protection, leaving homeowners at higher risk of loss than more comprehensive policies offered by private-market companies like VYRD. Additionally, Citizens policyholders could be subject to an assessment of up to 45% of their premium if Citizens becomes insolvent.

How does VYRD's coverage compare?

How do I accept my VYRD takeout offer?

You can ask your insurance agent to respond on your behalf, or you can do so yourself online at www.citizensfla.com/online-choice. You will need your policy number and the registration code contained in your offer letter from Citizens.

Will accepting the VYRD takeout change my insurance agent?

No. If you received a takeout offer from VYRD, your agent is part of our network and can continue representing you.

How can I make changes to my policy?

We suggest you contact your insurance agent for policy questions. Citizens will continue servicing your policy, including collecting premiums and managing changes to the policy, until its expiration date. VYRD will service the policy beginning with its renewal date.

How do I pay for my policy?

We encourage you to contact your insurance agent for payment if you need any assistance making premium payments. Citizens will continue to collect premiums until your policy renews. Before your policy expiration date, you will receive a policy renewal package from VYRD that includes information on how to make payments in the future.

How do I file a claim?

For claims with a date of loss before April 19, 2022, please contact Citizens. For claims with a date of loss on or after April 19, 2022, VYRD’s claims department.

Do I need to notify my mortgage company of the change?

No. VYRD will notify your lender of the change on your behalf.

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