Consumers are having their say Thursday in Miami on state-backed Citizens Property Insurance Co.'s rate proposals. Citizens wants state approval to raise rates for homeowners in coastal areas, which are at higher risk for hurricane damage, by a statewide average of 11.1 percent. The proposed increase for homeowners in other areas averages 12 percent. Increases, though, would differ from one area to another. The company also is seeking similar increases for mobile homes, condominium associations and other commercial residential and non-residential properties. Citizens was created as the insurer of last resort after major private companies pulled out of Florida or balked at covering coastal properties. It now has grown to 1.4 million policies.