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Citizens Property Insurance

Citizens Property Insurance wants to provide property insurance protection in the state of Florida to customers who are unable to obtain coverage through the private market. In addition, Citizens Property provides levels of customer service that are comparable to the standards of the private market. Citizens Property Insurance have a vision. This vision is to provide insurance services that meet the needs of Florida property owners who can’t obtain coverage in the private market. This company wants to eliminate all the financial burden Floridians face by being the best. Here are their values:

  • Public Service: Supports the private marketplace by providing quality service to customers and by being there when policyholders need help.
  • Integrity: They embrace values and code of ethics with pride.
  • Respect: Polite, courteous, and respect is what you will receive with Citizens Property.
  • Responsiveness: Provides quality service that meets the needs of customers.
  • Sound Judgment: Citizens Property will do the right thing in every situation.


Citizens Property Insurance Company


Citizens customers include Florida home, property, business, and condominium owners. This company is funded by policyholder premiums. In addition, if its surplus is depleted due to a devastating storm, Florida law requires this company to levy assets on most policyholders until the deficit is eliminated. Citizens have offices located in Tallahassee, Jacksonville, and Tampa. The Jacksonville and Tampa offices can provide policy services and underwriting, claims, and customer service/support.


Citizens Property Insurance Company wants all customers to understand insurance. By not knowing and understanding the details of your policy, can end up costing you more money. No two properties are the exact same. In fact, Citizens Property offers customers a variety of different policies. Each policy is suited to help owners protect their homes and businesses when coverage cannot be found in the private market. Whether you are looking to insure your first home or protect a complex of buildings.



Here are the basic coverage types Citizens Property Insurance Company provides. Remember, knowing this basic information about your policies will ensure that you get the best deal. Here are the two basic coverage types, personal and commercial. Personal coverage will cover buildings and individual apartments/condos that are used as single family dwellings.


Commercial coverage will be able to cover buildings and homeowners associations. In addition, it will cover multi-unit condominium buildings too. These buildings are mostly used for commercial or residential purposes, however.


A personal residential property policy from Citizens Property Insurance will protect where you live. In fact, Citizens offers several different types of coverages that can easily fit your needs. Below is a detailed list of policies offered.


Homeowners (HO3, HW-2)

This policy is available for single-family homes. The owner of the home must live in the residence primarily. Your building and other structures on the property will be covered, in addition to personal belongings, additional living expenses, and personal liability coverage is also covered.


Modified Homeowners (HO8)

This policy type covers 11 named perils, all with several exclusions. The most known exclusion for this policy is water damage. Did you know that water damage is one of the top made claims? In fact, half of Citizens homeowners claims are due to water damage. Always be sure to confirm with an agent that this policy type can provide you with enough coverage.


Dwelling Fire (DP-3, DW-2)

This is available for properties that do not qualify for an HO-3 or an HO-8 policy. This will be able to provide coverage for dwelling, other structures, belongings, and additional living expenses.



Condominium policies at Citizens Property Insurance


Condominium Owners (HO-6, HW-6)

If you live in a condo, this policy will able to cover certain features of the interior of your condo, the belongings inside, additional living expenses, and liability coverage. The exterior of the building is not covered by this type of policy.



Mobile and Manufactured Homes


Citizens Property Insurance Company also provides coverage for mobile and manufactured homes too.  As with the policies above, the owners must primarily live in their residence. This policy will be able to provide coverage for the mobile home, any other structures located on your property, your personal belongings, and additional living expenses costs.



Renters Coverage (HO-4)

Renters and tenants of site built home, apartment, or condo can purchase this policy type. Just like a homeowners policy, this will cover your belongings, personal property, additional living expenses, and liability.


Citizens Property Insurance is a great choice if you are currently shopping around for Florida insurance. Even more so if you are unable to obtain coverage through the private market of insurance. Thousands of customers have been able to obtain coverage through Citizens Property Insurance. Grab a quote here to get started on purchasing a policy from Citizen’s today.


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