Citizens Property Insurance Review 2025

About Citizens home insurance

Citizens Property Insurance was created in 2002 by the Florida legislature to provide coverage for homeowners who couldn’t find insurance on the private market. But today, what was designed to be a “last resort” option has ballooned into the state’s largest insurer, thanks to a private insurance market roiled by inflation, devastating hurricanes and excessive litigation. With other insurers going bankrupt or refusing to write policies in the state, many Florida homeowners have been left with nowhere to turn but Citizens.

Not everyone is eligible for Citizens home insurance. You can get a Citizens policy only if you can’t find coverage on the private market or the premiums from other companies are more than 20% higher than the rates Citizens offers you for similar coverage.

Even if Citizens does offer you the cheapest policy, you may end up having to pay a surcharge if a major storm strikes Florida and the company doesn’t have enough funds to pay its claims. And a recent law requiring Citizens policyholders to buy flood insurance could further strain your budget.

These aren’t the only potential drawbacks of having a Citizens homeowners policy. The company’s coverage choices tend to be more limited than what’s available on the private market. That means your lower premiums may come with skimpier coverage.

That said, Citizens may still be the best — or only — homeowners insurance option for many Floridians. Here’s what you need to know.

» MORE: The best Florida homeowners insurance

Where Citizens home insurance stands out

Discounts for protecting your home from damage. Citizens rewards homeowners who strengthen their homes against wind and other potential problems.

Coverage for those who can’t find it elsewhere. At a time when other insurance companies are going bankrupt or dropping policyholders, Citizens has provided a way for Florida homeowners to get coverage they can afford.

Where Citizens home insurance falls short

Coverage options. Citizens has lower coverage caps and relatively few add-on options compared to most private insurers.

Potential surcharges. If a massive storm or series of catastrophes leaves Citizens without enough money to pay its claims, by law it must charge all policyholders an assessment to help restore its funds.

» MORE: The best home insurance companies

State availability

Citizens homeowners insurance policies are available only in Florida.

Standard Citizens home insurance coverage

The dwelling coverage limit for a Citizens policy must be less than $700,000 by law in most Florida counties. (The limit must be less than $1 million in Miami-Dade and Monroe counties.) If your house would cost more than this amount to rebuild, you’ll likely need to seek insurance elsewhere.

Citizens has strict limits on other types of coverage, as well. For example, its policies come with $100,000 in personal liability coverage, with no option to select more. And unlike many insurance companies, Citizens doesn’t cover dog bites or other animal liability claims.

While many homeowners policies cover your belongings anywhere in the world, Citizens won’t pay for the theft of items from any location other than your home.

Besides the standard types of coverage above, a Citizens policy may also include coverage for things like:

• Catastrophic ground cover collapse.

• Debris removal.

• Losses due to counterfeit money, forgery or the unauthorized use of credit cards.

• Upgrading your home to meet current building codes after a covered claim.

• Trees, shrubs and plants.

• Charges for the services of a fire department.

• Fungi, wet or dry rot, yeast or bacteria.

Optional Citizens home insurance coverage

You may be able to add the following optional types of coverage to a Citizens policy:

• Sinkhole loss coverage, which pays for damage from a broader range of scenarios than the catastrophic ground cover collapse coverage included in a standard policy.

• Replacement cost coverage for personal belongings, which ensures that if your stuff is stolen or damaged, Citizens will pay enough for you to buy brand-new replacements. Without this coverage, your policy will cover your belongings for their actual cash value.

• Increased limits for ordinance or law coverage, which pays to bring your home in line with the latest building codes after a covered claim.

What's not covered

Citizens home insurance doesn't cover:

• Belongings stolen from anywhere other than your house.

• Liability claims related to your pets.

• Extended replacement cost coverage for your home’s structure.

• Damage caused by flooding or earthquakes.

• Damage to carports or porches.

• Water backed up from sewers, drains or sump pump failure.

Flood insurance requirements for Citizens policyholders

Under a 2022 law, all Citizens policyholders whose policies include coverage for wind damage must buy separate flood insurance. (A standard homeowners insurance policy doesn’t cover damage from scenarios like tidal surge or heavy rain.) The deadline for this requirement depends on where you live and the amount it would cost to rebuild your home.

If you live within a Special Flood Hazard Area as defined by the National Flood Insurance Program, you must buy flood insurance immediately (for new policies) or by the time of your next Citizens policy renewal.

If you don’t live in a Special Flood Hazard Area, you’ll need to have flood insurance by one of these deadlines.

• January 1, 2024: Policies with dwelling coverage of $600,000 or more.

• January 1, 2025: Policies with dwelling coverage of $500,000 or more.

• January 1, 2026: Policies with dwelling coverage of $400,000 or more.

• January 1, 2027: All other policies.

Learn more about flood insurance in Florida.

Discounts

Depending on where you live and the kind of home you have, you may be able to save on your Citizens homeowners insurance premium by:

• Installing a centrally monitored fire or burglar alarm.

• Protecting your home from wind damage with hurricane shutters, a hip roof or impact-resistant windows and doors.

• Insuring a relatively new home that’s compliant with recent Florida building codes.

• Having a roof with certain construction features.

To get these discounts, you may need to provide documentation or have your home inspected.

Consumer complaints

Citizens had far more than the expected number of complaints to state regulators relative to its size for home insurance, according to three years' worth of data from the National Association of Insurance Commissioners.

What Reddit users say about Citizens

Reddit is an online forum where users share their thoughts in “threads” on various topics, including financial subjects like home insurance. We used artificial intelligence to browse Reddit forums for posts about insurers, then manually sifted through the results and summed up consumer sentiment about each company. People post anonymously, so we cannot confirm their individual experiences or circumstances.

Reddit comments about Citizens are mixed. Several posters note that they saved money by switching to Citizens, but some people worry that the company may not be financially stable if too many major storms hit Florida. In response, posters explain that if funds fall short, Citizens can charge assessments on its own policyholders and, if necessary, all policyholders across Florida.

Other frequent topics of conversation include questions about the home inspections that Citizens performs from time to time and about what to do when Citizens asks you to make fixes to your home. Commenters share that they’ve been asked to do things like remove tree limbs or replace outdated pipes in order to keep their coverage.

Questions from Reddit: Our experts answer

Why is Citizens sending me an offer of coverage from another insurance company?

As an insurer of last resort, Citizens is required by law to help its policyholders find coverage in the private market through its “depopulation” program. If another company is willing to take over your policy, Citizens will notify you of the offer. You’ll need to respond by choosing the other policy or staying with Citizens. However, you won’t be eligible to stay if the price of the alternative coverage is within 20% of your Citizens premium.

Why does Citizens want to inspect my property?

Citizens, like many insurance companies, carries out occasional inspections of the homes it insures. These home surveys may involve examinations of both the exterior and interior of your house. Citizens uses reports from these surveys to verify the condition of the insured properties, and may share this information with private insurers looking to assume Citizens’ policies. Learn more about home inspections.

Digital experience

Log in to myPolicy, the self-service part of Citizens’ website, to see policy documents, file claims, enroll in paperless billing and make payments. Elsewhere on the site you can find information about coverage options, discounts and coping with storms. Some resources are available in Spanish or Creole as well as English.

How to file a claim with Citizens

You can report a claim 24/7 by calling 866-411-2742 or logging in to your online account. Once filed, you can also track claims through your Citizens account.

How to contact Citizens customer service

To contact Citizens, you can send an email through the website or call 866-411-2742. Customer support is available on weekdays between 8 a.m. and 5:30 p.m. The company also offers a live chat.

» MORE: What to do if you can't afford your homeowners insurance

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