Citizens Property Insurance Corp home insurance in Florida
NAIC #10064 · WWW.CITIZENSFLA.COM
This page summarizes publicly available information about Citizens Property Insurance Corp and general questions to prepare before you ask for a quote. For Citizens Property Insurance Corp, start with the roof age and type. Then check the pipes, panel, wiring, and home use. Review past claims too. Keep proof of each update or repair. Citizens Property Insurance Corp requirements can change and must be confirmed for the current form, address, and effective date. Only the carrier can determine eligibility. Ask an appointed agent to check the latest guide for your home.
Florida Availability
Statewide – insurer of last resort
Citizens Relationship
Citizens (Insurer of Last Resort)
Property Types
Eligibility and available forms vary by occupancy and use; see our Citizens guide for the official rules and confirm with an agent
Unique Programs
None documented
Where Citizens Property Insurance Writes Coverage
Statewide: Florida's insurer of last resort.
Availability can change by county and program. Confirm current openings with an agent.
Citizens Property Insurance Corporation is the state-created insurer of last resort, listed here under the Florida OIR record CITIZENS PROPERTY INSURANCE CORPORATION with an active license dating to January 1993. It writes statewide, but it is intended as a last resort: eligibility generally depends on not having a comparable private-market option. Our Citizens Insurance guide covers eligibility, takeout offers, and depopulation in detail.
Key Takeaways
General Eligibility Considerations
What to confirm with Citizens Property Insurance Corp or an appointed agent
This profile provides public company information and a general checklist of factors to discuss before requesting a quote from Citizens Property Insurance Corp. It does not reproduce the carrier’s complete underwriting guide or determine whether a specific property or applicant will qualify. Current requirements may vary by program, policy form, county, property condition, applicant, and effective date. Confirm every eligibility question with Citizens Property Insurance Corp or a Florida-licensed agent appointed with the carrier.
Public Information
What public materials state about Citizens Property Insurance Corp
GLOSSARY
Terms Used on This Page
Four-point inspection
A check of the roof, pipes, wiring, and heating and cooling systems.
Learn more →Decline
A carrier decision not to offer a particular program. Only the carrier can make this determination, and it can change with the program, address, and effective date.
Learn more →BEFORE YOU ASK FOR A QUOTE
Questions to Ask Before a Quote
- Does your agency work with this carrier and policy type?
- Is the carrier open for new business at this address?
- Does the roof meet the current age, type, and condition rules?
- Will the carrier ask for a four-point, wind, roof, or other inspection?
- Do the pipes, wiring, heating, cooling, and water heater meet the rules?
- How would Citizens Property Insurance Corp pay for roof damage? Would it use replacement cost, actual cash value, or a roof schedule?
- What are the hurricane and all-other-perils deductibles?
- Are there water, mold, animal, pool, or other limits?
- Which forms or records should you send before the quote?
PAPERWORK
Records to Gather
For a Citizens Property Insurance Corp review, bring the roof permit and the latest inspection. Keep bills for work on the roof, pipes, wires, or heating system. List old claims and how each repair was made. Send clear photos only when asked, and keep a copy of each file.
CITIZENS RESOURCE CENTER
Florida’s Insurer of Last Resort
Citizens is Florida's state-created insurer of last resort, established 2002. Policy count fell from a peak of about 1.4 million (Sept 2023) to under 400,000 by early 2026 as policies move to private carriers through depopulation. (Source: Citizens/Florida Realtors, Jan 2026.)
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What You Should Read Next
Insurance Companies
Compare Florida home insurance carriers side by side: published coverage forms, eligibility guidance, and company facts for every profile.
Citizens Insurance
How Citizens works, the 20% rule, and depopulation explained.
Coverage Explained
Understand your policy, coverages, and deductibles.
Eligibility Guides
Roof age, plumbing, electrical and prior claims: how each factor affects which carriers will consider your home.
Questions about your options? Talk to a licensed agent.
FloridaHomeInsurances.com is operated by a Florida-licensed insurance agency and is not affiliated with, sponsored by, or endorsed by Citizens Property Insurance Corporation. Citizens eligibility and underwriting decisions are made solely by Citizens.
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FloridaHomeInsurances.com is an educational resource operated by a Florida-licensed insurance agency (see About). It is not an insurance carrier or underwriting decision-maker. Information on this site summarizes publicly available materials and general market considerations. General ranges are educational only; they are not a carrier’s complete underwriting guidelines, a quote, an offer, or a guarantee that a property or applicant will qualify. Availability, eligibility, pricing, coverage, forms, inspections, and documentation requirements can change and may vary by carrier, policy form, county, property, applicant, and effective date. Before relying on any figure or description, confirm the current requirement directly with the carrier or a Florida-licensed agent who is appointed with that carrier. The issued policy and the carrier’s current underwriting decision control.