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FL
Available states
24/7 claims
Online quotes
New home discount discount | No |
---|---|
New homeowner discount | No |
Home safety features discount | Yes |
New policy discount | No |
Bundling discount | No |
No claims discount | No |
Other discounts | Yes |
Personal property coverage | Yes |
---|---|
Valuable personal property | Yes |
Theft coverage | No |
Fire coverage | Yes |
Flood coverage | No |
Identity theft coverage | No |
Homesharing | No |
Dwelling coverage | Yes |
Review by
Heather Petty is a writer at Finder specializing in banking, investments and insurance. She's a self-proclaimed word nerd who worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. Heather earned a bachelor’s degree in English from the University of Nevada, Reno.
Citizens Property Insurance was created as a last resort for Florida residents who are unable to find insurance in the private sector. And while its policies tend to be basic and have few, if any, customization options, the premiums are affordable. It offers a lifeline to those who wouldn’t be able to carry insurance or a mortgage without it.
But if you’re able to find coverage elsewhere, or just want to compare your homeowners insurance options, you may find that private companies can better put together a policy tailored to your needs.
Unless specified otherwise, every policy includes coverage for living expenses, personal liability and all structures and personal belongings on the property.
If you can document the steps you’ve taken to make your home more safe, you’ll qualify for the following discounts:
You can only apply for a policy through an authorized Citizens agent. To find the one nearest you, use the Find a Citizens agent tool on its website.
Before you apply, make sure you have the following information ready: