Citizens Property Insurance Corporation
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About Citizens Property Insurance Corporation
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Citizens Property is a nonprofit government agency that helps homeowners in Florida access home insurance coverage. It’s designed to help those who can’t find policy options through traditional insurance providers. Its plans are fairly affordable but not very customizable.
Pros & Cons
- Helps those who can’t find coverage
- Fairly affordable policies
- Wind-only policies available
- Poor customer reviews
- Not much flexibility in coverage
Citizens Property is a government-owned nonprofit that sells home insurance to residents in Florida. Meant to be a last-resort option, it provides coverage for homeowners who are unable to find a policy elsewhere.
Top Citizens Property Insurance Corporation Reviews
They are always there, ready to help and take the time to answer any and all questions you may have about anything concerning your insurance policy. In a time where people feel di...Read full review
They're great service protection and I'd recommend them anytime to everyone and cheap to pay every month and very beneficial to me and my family. I'm very Happy with them now and ...Read full review
What is Citizens Property Insurance?
Citizens Property is a government-run insurance provider in the state of Florida. Founded in 2002 as a not-for-profit insurance provider, it’s intended to be a last resort for homeowners who can’t find coverage elsewhere with private insurers. It also offers coverage in the event private insurers’ policies are more than 15% higher than what Citizens offers for similar protection.
This type of insurance is primarily meant to help with damages due to natural disasters. Because Florida is prone to bad weather (e.g., hurricanes), homeowners in the state sometimes have difficulty finding insurance due to being labeled high-risk — especially those in older homes. Many companies won’t risk insuring a property that’s likely to endure a natural disaster.
What does Citizens Property Insurance cover?
Citizens Property offers basic coverage for Florida homeowners. This coverage is similar to a standard HO3 policy. Its policy options include:
- Dwelling (Coverage A): Covers your house and any attached structures. Your coverage may be determined by replacement cost or actual cash value.
- Other structures (Coverage B): Covers structures on your property that aren’t physically attached to your house (sheds, pool houses, garages and more).
- Personal property (Coverage C): Pays the depreciated value of your belongings and general home contents. This includes appliances, clothing, furniture and more.
- Loss of use (Coverage D): Covers living expenses incurred if you’re temporarily displaced due to a covered loss.
- Personal liability (Coverage E): Pays for bodily injury or property damage for which you’re deemed legally liable.
- Medical payments to others (Coverage F): Covers necessary medical costs for anyone injured on your property, as well as some off-property injuries.
Some additional coverage Citizens offers:
- Catastrophic ground cover collapse
- Debris removal
- Fire department service charge
- Fungi, wet or dry rot, yeast and bacteria
- Glass or safety glazing material
- Landlord’s furnishings
- Ordinance of law
- Reasonable repairs
- Trees, shrubs and other plants
The company also offers wind-only policies in some parts of the state.
Citizens Property Insurance rates
Citizens Property doesn’t provide any cost information or quote tools on its website, but it is intended to be an affordable option for homeowners in Florida who can’t find insurance elsewhere. Customer reviews suggest its policies typically cost between $800 and $7,000 per year. The company also has some discount options, which include:
- Wind mitigation
- Florida building code compliance
- Roof construction
- Centrally monitored fire alarms
- Centrally monitored burglar alarms
Citizens Property Insurance FAQ
Where is Citizens Property available?
Citizens Property is available exclusively in Florida. The Florida legislature created the entity in 2002.
Where is Citizens Property located?
Citizens Property has locations in Jacksonville and Tallahassee. It also has several agents in the field.
Do Citizens Property’s policies cover old homes?
Yes, Citizens Property does cover old homes — that said, the age of your home will affect your rate.
Does Citizens Property cover A/C units?
Citizens Property doesn’t specifically cover air-conditioning units, but it does offer personal property coverage, which includes home appliances.
Is Citizens Property Insurance worth it?
Citizens Property Insurance is a government entity designed to help Florida homeowners who’ve had trouble finding coverage elsewhere due to major weather event risks. You should consider Citizens Property Insurance only if private insurance companies refuse to cover you — or if traditional policy costs are far too high for you. It’s also important to remember it offers only basic homeowners insurance with few customization options.
Citizens Property Insurance Corporation Reviews
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How has the state of Florida not shut down this company!! This is a absolute racket for profit. There is one home insurer in south Florida only we are mandated by mortgage banks to have insurance so the insurance company can do whatever they want. I have never filed a claim yet my policy which is catastrophic coverage only went from 3.3k to 4.1k. I have bare bones coverage. My house would have to float away to have anything covered. This can’t be legal. Where’s DeSantis!!! How about doing something governor!!
During Hurricane Ian, I submitted a claim to my Citizens' Homeowner's insurance policy and to date, not only has my claim not even begun to get processed, they have not even sent an adjuster to view the property, or even consistently assigned one. I have been told multiple times my claim had been assigned to an adjuster, only to have that name disappear and another name show up with new promises to contact me. The previous name is unknown when I call back. This has happened multiple times while I am handtied because if Citizen delays or simply doesn't process my claim, they don't have to pay it. I'm seeking legal advice at this point.
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We have used citizens for almost 6 years now. Although we have not had to make a claim I am very satisfied with them. The reps are always friendly and professional. As with anything our rates go up yearly. Flood insurance is reasonable also.
I have a very old house, live in Florida, and Citizens Property insurance is the only insurer who will insure my house. It is the state government run insurance. I have never had to make a claim so I don't know how well it handles the process of making claims and payouts. It appears to offer adequate coverage though, like every other insurer, it does not offer flood insurance. I pay about 800 per year.
I received a letter from Citizens Insurance on July 30 stating my windstorm and homeowners policies would be canceled on Aug 14 if payment wasn't made by this date. Payment was already received by Citizens six weeks earlier on July 3. Upon speaking with my insurance agent as a follow up to the letter, my policy had been canceled weeks ago by Citizens for nonpayment. I did not receive any additional written notification of cancellation from Citizens and they just kept my first installment of $537.00! Apparently, the problem is a well known and long standing problem with Citizens Insurance and the State of tolerates this unethical practice. If you change your payments from annual payments to quarterly payments, Citizens just keeps your money and cancels your policy!
Apparently Citizens computer system is so very old they can not recognize the change in payment frequency from a single annual payment to quarterly payments and as such, and they consider the payment incomplete and past due.They simply accept the payment for which there was no service and cancel your policy without any further communication! This insurance company is our State of FL endorsed windstorm insurance policy carrier and the only place that you can purchase hurricane protection for your home. Therefore, without competition and State overstate ... FL is getting ripped off by Citizens Insurance!
Insured with Citizens Insurance since 2003 for My Property Business, survived 9 Storms with No Damages, My Insurance went from $3500/year to $14,800/year in 14 years. My Business got Hit Bad with Hurricane IRMA, I Lost my entire 1000 SF Bar-Cafe Roof, Got Roof Damages on entire Property, got Water damages as a result total $241,900 Damages estimated by my Property Adjuster.
Citizens Adjuster took 45 days to show up to my Property after IRMA to Inspect Damages, But Request by Phone Not to Clean up, Not to Repair before their Inspection. Their Delay Post Hurricane to Inspect cost even More Damages, With Roof Leaks, Mold, Electrical Damages & Appliances burned. Finally they Show up, Citizens adjuster contested $241,900 Damages with a Countered Estimate at $168,900.
My Coverage was for $250,000 max pay out with a deductible of $21,900. Then Citizens Adjuster came up with an New Calculation that Includes 10% Depreciation a Year on Roof/ Hurricane Impact Windows & everything else, so after Depreciation $168,900 damages estimated by Citizens Adjuster became $9,000 since my Deductible was $21,900 Citizens Insurance offered to Pay Nothing! $0 Nada, Niet, Rien! I hired an Attorney, after 2 years, got a miserable $35,000 out of $241,900 damages.
My Lawyer told Me, "You got a Very Bad Contract with the Depreciation Clause, You have Been paying $14,900/year insurance but they knew for the last 3 years the 10% depreciation/year put Your coverage at $0. + Citizens insurance Is back by the Federal Government, with Republicans in Power, 5 Big Hurricanes in 1 Year, Citizens insurance has instruction to litigate all cases & slow down pay off, as the Federal Government is not funding the Hurricane Recovery! You were paying, but You would be better saving 2 Years Premium & not wait 45 days for Citizens to show up & denied your claim no matter what!"
I call claim department and report water damage in my kitchen. And they send this field adjuster name Jim **. This guy was very disrespectful and very unprofessional. When got that he start taking pictures all over outside and inside my house and my bedroom and my kids bedroom and I asked him what is my bedroom or my kids bedroom have to do with a kitchen claim damage. And at the end of the claim report he ask to me talk so he can record me. I told him, "No. If you want me to write a statement I will do it and sign it. You get a copy and I get a copy." He say no and he didn't finish my claim report. And it been almost 15 days since I been trying to call the Citizens insurance about this issue. I still have no answer. So if you at there you thinking about getting Citizens insurance don't do it. Bad customer service, very very very bad field adjuster name Jim **. Bad company period.
The worst insurance I’ve ever come across. They will not pay out for claims. Waited 3 months & they denied my claim for property damage saying that the owner was not there so he is not responsible & it happened on a property he owns. I said that’s why he carries property insurance so if something happens it will be covered. Might as well not have insurance than to waste your money on this company.
(Long story but needs to be told) I needed homeowners insurance on my mobile home. I dealt with Bart Borders, (the owner of Borders Insurance agency). He found a company that he said would insure my home, (Citizens Insurance Co). I told him that I needed coverage equivalent to my home equity loan of $65,000. He said that was no problem. First I need a 4 point inspection, which I got from his inspector and cost me $100. That inspection revealed that they would not insure me unless I re-piped my entire home to get rid of polybutylene pipes. So I hired a plumbing company to come do it for $3250 (Now I'm out $3350). All the while I kept telling Bart that I was under time constraint because I was using the loan proceeds to purchase property for my son & his family to have a place to live and I had a deposit of $4500 on the property that I could lose if I didn't have the funds in place by the rapidly approaching closing date.
So now Bart tells me they need an appraisal so they can raise the coverage from their standard $20,000 to the amount I needed, ($65,000) so I email him a copy of the electronic appraisal that I had acquired from the bank. Then he says that won't do because he needs a more comprehensive appraisal so I acquire the appraisal from the bank and forward it to him. He says that won't do either as he needs the "cost approach" on the appraisal. So now I have the bank contact the appraiser to provide the cost approach appraisal, which he did. So now I'm waiting day to day for the insurance binder from Citizens. Bart tells me he needs another photo of the water heater (in addition to the ones I've already took and sent him) so I took it and sent it.
Back to waiting, Bart says that they can't be rushed so, tired of waiting, I call them myself to find out that they were waiting for the signed application, so I told Bart what they said and so he emailed me the application which I signed. Keep in mind I'm already over a month into trying to get an insurance binder for the bank so they can fund my loan. Now Bart tells me that I must pay the policy in full, ($497) with the coverage at $20,000. I told him that I needed $65,000 coverage to which he tells me that I have to pay for the policy first and then re-submit it for processing for the higher coverage. I told him I was out of time, (which I was after ** around for a month!) He told me that every time he spoke with Citizens it was somebody different each time giving him different information each time. They are very un-organized and demand not to be rushed.
Fortunately during most this time I was wasting with Bart & Citizens, I found another insurance company that was more expensive but could do what I (& the bank) needed. I gave them the green light and had a binder in 3 days, no messing around, no inspections, no appraisals, fast & smooth. I'm sick that I spent all that money for a re-pipe job when I didn't have to, my plumbing was fine. I should have went with the other insurance company to begin with. Dealing with Bart & Citizens Insurance was an expensive nightmare. I was made to jump through all sorts of expensive & time consuming hoops for a big fat nothing. A waste of time & money!
Almost 20 years being with Citizens, just one I put a claim many years ago, there is not any other insurance in Florida that you can go to. This insurance was allowed in Florida due to our governor, and other "politicians." Just wonder how much Citizens paid them... When Hurricane Irma came, I had damages to my house, like I expected they denied my claim. I got two estimate paid by me sent to them, still they used a nonsense not to pay the water that damaged my house due to the winds, my wood fence was destroy my roof, they always find excuses. I have tried to check other insurances. No one wants to insured people in Florida. They should be investigated by the Insurance Board, enough is enough. They are pure scams. 20 years paying big payments when the times comes they denied the claim. Does any of our politicians in Florida care? Of course not...Miami is scam city.
I'm sick with liver problems with asthma and a damaged house, Fema did nothing for me, but of course they gave millions to Puerto Rico, most of the Puerto Rico had no insurance in their houses, they all came to Orlando and got between 5000 and 10,000, we the Floridians got nothing...in Miami Dade we have many mayors. All useless. They only concerned about how much they are going to get in their paycheck.
Citizens Property Insurance Corporation Company Information
- Company Name:
- Citizens Property Insurance Corporation
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