Florida's largest insurer is launching a new program on Monday, to shift policies over to other companies.

The state-created Citizens Property Insurance will start requiring new customers to use a property insurance clearinghouse. The program requires insurance agents to look at offers from four private insurers before allowing someone to purchase a Citizens policy.

A customer is ineligible for Citizens if one of the insurers charges premiums that are within 15 percent of Citizens rates.

State lawmakers are working to reduce the number of people insured by Citizens, which has more than 1 million policyholders. The company was set up to be the insurer of last resort.