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Citizens Property Insurance Corporation

Citizens is a not-for-profit state-run government insurance program that started in 2002 for Florida property and windstorm insurance coverage for homeowners.

Per Florida law, those who want but are ineligible or cannot find affordable coverage in the private insurance market are both eligible for insurance coverage from Citizens.

Plans include basic homeowners, modified policies, and wind-only options. Plans include coverage for hurricanes but flood insurance is not included. They offer coverage for single-family homes, mobile homes, condos, and renters. Coverages offered by Citizens are for dwelling, other structures, personal property, loss of use, personal liability, and medical payments.

Group 791
Customer Rating

Citizens has a insurance carrier rating of 4 out of 5 stars based on our research.

With guaranteed eligibility for qualified customers, Citizens is a last resort but needed insurance coverage option. They are not Better Business Bureau accredited as they are a state-run carrier.

Our carrier rating takes into account several factors about the insurer, our industry-experienced research, policyholder’s feedback, and other publicly available data. We also take into account the carrier’s financial stability, organizational structure, and history as well as their historical claims payout data to generate our comprehensive carrier profiles with a low to high rating of between 1 to 5 stars.

Financial Stability

Citizens is funded by policyholder premiums and is a not for profit carrier run by the state of Florida.

Citizens are one of Florida’s leading home insurers not in the private sector but backed by the state government. As they are not a private insurance carrier, Citizens does not have a credit rating.