Citizens Property Insurance Corporation Review 2018


Review written by:

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- Policy holder
my policy was switched to another company without proper notification 6 months ago. i never rec'd notification of what my new premium would be or what my coverage would be. the only way i found out this happened is by trying to file a claim due to a robbery in my house by a drug addict. despite the fact that my coverage is still with citizens until sept, they will not take my claim! and the new policy is 400.00 more! so i am screwed! your 10 year customer!
Alario A.
- Policy holder
Was paying $275 a month for three vehicles. Had two small claims totaling about $2000 and they raised my rates to $399 a month. They should have informed me that my rates were going to go up because of the claims. Someone hit my car while parked and I wanted it repaired. Forgive me for using the service that I paid for. Do Not Use Citizens !!
N S.
- Policy holder

Carrier Overview

Citizens Property Insurance is a government entity created for homeowners who cannot obtain insurance in the private market. The company is funded by policyholder premiums. If surplus is depleted as a result of a devastation, Florida law requires Citizens to levy assessments on most Florida property-casualty insurance policyholders to fill the gap.

Customer Service Number: 888-685-1555



  • Dwelling
  • Other structures 
  • Personal property
  • Loss of use  
  • Personal liability
  • Medical payments to others

How to Buy a Policy

Only appointed Citizens agents can help you purchase a Citizens policy, and only if your property meets one of the following eligibility criteria:

  • Coverage is not available from a Florida-authorized insurance company
  • Premiums for coverage from Florida-authorized insurance companies are more than 15 percent higher than the premiums for comparable coverage from Citizens

You may search for a Citizens agent by using the Agent Look-Up tool on the website.


Discounts offered

According to its website, Citizens offers several discounts to policyholders whose homes and businesses have features installed to help protect them from severe storms or other perils. In order to determine your eligibility for these discounts, you must first submit an inspection form completed by a qualified inspector.



  • Wind mitigation
  • Florida building code compliance
  • Roof construction
  • Centrally monitored fire alarms
  • Centrally monitored burglar alarms

How to make payments

Citizens accepts payments online, over the phone or by mail using your US checking or savings account. The company does not accept debit card, credit card or electronic check payments at this time.

You may also authorize your agent to make a payment by completing the Single E-payment Authorization form and sending it to your agent. To pay over the phone, call 888-685-1555. This option is available for personal lines policies and is not available for new policies that have not yet been issued.

Before you call, have handy the following information:

  • Valid 8-digit policy number, excluding letters and including zeroes
  • Property address zip code
  • Routing number
  • US checking or savings account number

In order to make a payment by mail, you will need personal or cashier’s checks. You will need to include your payment stub, if possible, and write your policy number in the memo section of your check. Citizens does not hold post-dated checks. There will also be a $15 insufficient funds fee for each check not honored by the bank.


How to File a Claim

Citizens urges you to report your claim as soon as possible by calling 866-411-2742.



  • Policy number
  • Contact information, including any temporary addresses or phone numbers
  • Damage description
  • Mortgage company information, if applicable

Reinsurance program

According to news reports, Citizens is planning for a harder reinsurance program for 2018 that will see it increase its risk transfer spend by $7.3 million and aiming to increase the amount of coverage it buys to $1.45 billion.

In its 2018 budget, the insurer said there is a provision for $100 million of private-risk transfer within the Coastal Account. The insurer said: “Citizens will again seek to protect surplus through prudent and measured risk transfer efforts in 2018.”

Career Opportunities

Citizens says it needs dedicated people who want to help Floridians protect their most important assets – their homes and businesses. It is looking for people who want a job that offers the personal satisfaction of public service and the ability to help people in a real and concrete way. Citizens says it has 1,200 employees – located in offices in Tallahassee, Jacksonville and Tampa and in field locations throughout Florida – who are passionate about the work they do. Here are the latest job opportunities at Citizens.


How to Become an Agent 

In order to apply for a Citizens appointment, agents must fill out an online application. The application must be completed by an agency principal.

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