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For Florida Citizens personal lines policyholders, 2016 will either mean higher or lower rates. Read on to see where you fall.

Florida Citizens Property Insurance Co.’s Board of Governors approved a 2016 rate package that will lower rates for nearly half of Citizens’ personal lines policyholders. The package will also respond to increased water loss claims and continued inadequate rates for its remaining policyholders along the coast, Citizens said in a release about the approval.

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