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Citizens Property Insurance Corporation

Citizens Property Florida

Citizens Property Insurance wants to provide property insurance protection in Florida to customers who cannot obtain coverage through the private market. In addition, Citizens Property provides levels of customer service comparable to the private market’s standards. Citizens Property Insurance has 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 Floridians’ financial burdens by being the best. Here are their values:

  • Public Service: Supports the private marketplace by providing quality customer service and being there when policyholders need help.
  • Integrity: They embrace values and a code of ethics with pride.
  • Respect: Being polite, courteous, and careful 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. Policyholder premiums fund this company. 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. Not knowing and understanding your policy details can end up costing you more money. In addition, no two properties are the same. Citizens Property offers customers a variety of different approaches. Each procedure 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 you get the best deal. Here are the two basic coverage types, personal and commercial. Personal coverage will cover buildings and individual apartments/condos 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 primarily used for commercial or residential purposes, however.


A personal residential property policy from Citizens Property Insurance will protect where you live. Citizens offer several different types of coverage that can easily fit your needs. Below is a detailed list of the policies provided.


Homeowners (HO3, HW-2)

This policy is available for single-family homes. The owner of the house must live in 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 of this policy is water damage. Did you know that water damage is one of the top-made claims? Half of Citizens’ homeowners’ claims are due to water damage. Always 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 cover the 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 be able to cover specific features of the interior of your condo, the belongings inside, additional living expenses, and liability coverage. However, this type of policy does not cover the exterior of the building.



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 residences. This policy will provide coverage for the mobile home, any other structures on your property, your personal belongings, and additional living expenses costs.



Renters Coverage (HO-4)

Renters and tenants of site-built homes, apartments, or condos can purchase this policy type. Like a homeowners policy, this will cover your belongings, personal property, additional living expenses, and liability.


Citizens Property Insurance is an excellent choice if you are currently shopping for Florida insurance. Even more so if you cannot obtain coverage through the private insurance market. Thousands of customers have been able to get coverage through Citizens Property Insurance. Grab a quote here to start purchasing a policy from Citizen’s today.


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