“Florida’s Citizens Property Insurance Makes Major Change” This is Something to Think About 09.28.26

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“Florida’s Citizens Property Insurance Makes Major Change”

Bill Bunkley’s “This Is Something to Think About

Air Date Monday, September 28, 2026

Some of you listening today may have your home insured with the State of Florida’s property insurer of last resort, Citizens Insurance.

If you do, please listen up.

Beginning in January, if you have a single-family home insured with Citizens Property Insurance, you’ll need to obtain an additional, separate flood insurance policy.

It doesn’t matter whether you're currently in a flood zone; all single-family Citizens’ homes must carry a flood policy.

If you’re not in a flood zone, I suggest you check other Florida property insurance companies for lower premiums.

That said, more people are obtaining flood coverage in non-flood zones after witnessing the flood damage from two West Coast hurricanes that hit a couple of years ago in unexpected areas.

Flood coverage gives you peace of mind.

Bill Bunkley is a 20-year veteran Salem Media talk show host based in Tampa. The Bill Bunkley Show airs on weekdays from 3 to 5 pm across central Florida. Bill is also President of the Florida Ethics & Religious Liberty Commission and the legislative consultant to the Florida Baptist State Convention (Southern Baptist Convention Churches), among other churches and entities. He has served as the legislative consultant to the Florida Baptist State Convention for the last 30 years at the state capitol in Tallahassee. By the Grace of his Lord Jesus, he is a cancer survivor diagnosed in 2018 with AML Leukemia, having successfully undergone a bone marrow transplant that same year. In 2025, he underwent successful open-heart surgery to repair a heart valve. His wife is Toni, his son is Zac, and he attends Idlewild Baptist Church.

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