Citizens Property Insurance Corp
NAIC #10064 · WWW.CITIZENSFLA.COM
Homeowner summary: Citizens Property Insurance Corp is listed in this directory using the legal/OIR carrier record CITIZENS PROPERTY INSURANCE CORPORATION, with Florida authorization status shown as ACTIVE and a Florida licensed date of 01/21/1993. For homeowners, the current research points to this profile as best suited for: Last-resort only – never place when a private option exists Florida availability is summarized as: Statewide – insurer of last resort Key underwriting considerations in the current source data include roof guidance (Not specified – per policy form rules), electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: No private-market alternative proof; 2+ non-weather water losses in 36mo Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Florida Availability
Statewide – insurer of last resort
Citizens Relationship
Citizens (Insurer of Last Resort)
Property Types
Primary/owner-occupied: Yes (HO-3 owner-occupied); Rental: HO-3: No | DP forms: Yes | Most forms: STR not eligible; Vacant: Case-by-case per form
Unique Programs
None documented
Company Overview
Citizens Property Insurance Corp is listed in this directory using the legal/OIR carrier record CITIZENS PROPERTY INSURANCE CORPORATION, with Florida authorization status shown as ACTIVE and a Florida licensed date of 01/21/1993. For homeowners, the current research points to this profile as best suited for: Last-resort only – never place when a private option exists Florida availability is summarized as: Statewide – insurer of last resort Key underwriting considerations in the current source data include roof guidance (Not specified – per policy form rules), electrical considerations, claims history, inspection requirements. Common eligibility concerns noted in the research include: No private-market alternative proof; 2+ non-weather water losses in 36mo Use this profile as a general guidance summary, not as a guarantee of approval or coverage availability.
Best Fit Homeowner
- Last-resort only – never place when a private option exists
Eligibility Challenges & Hard Stops
Will Decline
- No private-market alternative proof
- 2+ non-weather water losses in 36mo
Requires Underwriting Review
- Special Flood Zones (A/V prefix): CIT FW01 form + proof of flood policy required
- No prior within 45 days = surcharge + 30-day wait; must prove private market 20% costlier or unavailable
THE UNDERWRITING BOX
What Citizens Property Insurance Corp will and won’t write.
Citizens Connection
Citizens (Insurer of Last Resort)
Citizens IS Florida's state-created insurer of last resort, established 2002. Policy count fell from a peak of ~1.4M (Sept 2023) to under 400,000 by early 2026 as policies move to private carriers through depopulation. (Source: Citizens/Florida Realtors, Jan 2026.)
Other Carriers to Compare
Not every agency carries this carrier.
Ask any independent agent specifically whether they’re appointed with this carrier before getting a quote — most only carry a fraction of the market.
Find an AgentThis profile is intended as a general research reference. Carrier appetite, underwriting rules, eligibility, pricing, and documentation requirements can change. Final eligibility is determined by the insurance carrier at the time of application.
Information last verified August 2026. Underwriting eligibility and product availability may change. Contact the carrier or a licensed agent for current requirements.