Depopulation

A program that moves policies out of an overloaded state insurer of last resort and back to private carriers, shrinking the government’s risk. Common in Florida and Louisiana.

This is a friendly general explanation, not legal or policy language. Exact coverage depends on your policy, carrier, and state. 🤝

Written and reviewed by the We Insure Things team — licensed independent insurance agents. Last reviewed July 23, 2026. Questions? Ask a licensed agent.