• 3.40 / 5 based on 33 Reviews | Submit Your Review
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  • Citizens Insurance is a not-for-profit insurer based in Tallahassee, Florida and operates within the states of Florida and Louisiana (Louisiana Citizens). Their goal is to help residents obtain property and casuality insurance and superior customer support. They mainly help those who are unable to get insured with other providers and many times acts as an insurer of last resort.

    Company Information

    P.O. Box 17219
    Jacksonville, FL 32245
    (888) 685-1555
    (508) 855-6417 (Fax)
    https://www.citizensfla.com



    Company Reviews (33)

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    • 4 of 4 people found the following review helpful.

      actual cash value, August, 2012

      Our home is built as strong as a site built home. We have not only taken care of our home but have put thousands into it to make it better than ever. Now Citizens want to reduce the value. I find this an underhanded way to reduce policies.

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    • 3 of 3 people found the following review helpful.

      Dissatisfaction with current company, May, 2012

      Prior to obtaining insurance with Citizens, we were insured with a couple of other companies. The first company we had, discontinued insuring in Florida. The second company we had also discontinued insuring in Florida. As we have a manufactured home, it is extremely difficult to find a company that will insure in FL. At the time we got Citizens, they were the only company who would insure our house because we live in Florida, even though we do not live along the coast. I would not recommend Citizens to anyone unless, like us, they are desperate. Citizens has now lessened our coverage, and are in the process of upping our premiums.

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    • 1 of 1 people found the following review helpful.

      shrinkage, January, 2013

      They were shrinking their base of older homes and transferred my account to another company with an increased annual premium. In retrospect it was not actually that high comparing the recent quote from a new agent.

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    • 1 of 1 people found the following review helpful.

      Linda K Sterling, July, 2012

      I have had no problems with Citizens but they are trying to get out of paying for the older homes(mobile)in our area and per letter today,if they find that the value of our home is not adequate for their coverage,we will be dropped. We have two Florida rooms that are finished and furnished-glass enclosed attached to the main home which should account for some value I would think.

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    • 1 of 1 people found the following review helpful.

      CITIZENS CUSTORMERS COMPLAINTS., June, 2012

      CITIZENS ARE LIKE THE MAFIA,THEY KEEP INCREASEING THE PREMIUMS,WHILE THEY CONTINUE TO REDUCE THE COVERAGE,WE FILED A CLAIM 2011,FOR DAMAGES WE HAD IN OUR HOME,CITIZEN DENIED OUR CLAIM,WE HAVE HIRED TWO SETS OF ATTONEYS.SOMETHING SHOULD BE DONE ABOUT THIS COMPANY.

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    • 1 of 1 people found the following review helpful.

      BAD COMPANY, April, 2012

      I AM CURRENTLY INSUREED WITH CITIZENS BECAUSE NO OTHER COMPANY WAS WRITING COVERAGE IN MY AREA. CITIZENS IS TAKING ADVANTAGE OF THEIR MONOPLLY, POOR SERVICE,HIGH RATES.

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    • 0 of 1 people found the following review helpful.

      , November, 2012

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    • 0 of 0 people found the following review helpful.

      Great Auto Insurance, Handling Claim, But increase, June, 2014

      I am a very satisfied Citizens home/auto customer. My car was totalled. They handled my claim quickly, Towing was handled with excellence, and paid for the vehicle sooner than I ever expected. Of course my rate dramatically increased afterwards. But, they were outstanding as an insurance company compared to Farmers or any others.

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    • 0 of 0 people found the following review helpful.

      Seeking options for homeowners insurance, January, 2013

      Premiums increase this year

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    • 0 of 0 people found the following review helpful.

      , January, 2013

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    • 0 of 0 people found the following review helpful.

      Home Insure, January, 2013

      After settlement with another Home Insurer, Citizens became our only option.

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    • 0 of 0 people found the following review helpful.

      , December, 2012

      The cost is out of control, esp in view of the reduced coverage

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    • 0 of 0 people found the following review helpful.

      , October, 2012

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    • 0 of 0 people found the following review helpful.

      , October, 2012

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    • 0 of 0 people found the following review helpful.

      , October, 2012

      I FIND THE YEARLY COST VERY HIGH.

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    • 0 of 0 people found the following review helpful.

      , October, 2012

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    • 0 of 0 people found the following review helpful.

      Insurance, October, 2012

      Very good would recommend to anyone, trustworthy,I have not had a chance to try customer service, I am sure they are great

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    • 0 of 0 people found the following review helpful.

      Nothig at this time, October, 2012

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    • 0 of 0 people found the following review helpful.

      Our history, October, 2012

      Our home was damaged by a suspected sink hole in 2009. Our insurance company settled the claim for full coverage. It was repaired by AWARD ENGINEERING. They drove 34 pins around the entire foundation, not just the one corner of the house effected by the ground movement. A complete report is available.

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    • 0 of 0 people found the following review helpful.

      , September, 2012

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    • 0 of 0 people found the following review helpful.

      , September, 2012

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    • 0 of 0 people found the following review helpful.

      , September, 2012

      THE COST IS VERY HIGH AND CAN ONLY SPEAK WITH THE AGENT, FOR RETIREE'S IT SHOULD BE SOME WAY TO KEEP THE COST DOWN.

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    • 0 of 0 people found the following review helpful.

      , September, 2012

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    • 0 of 0 people found the following review helpful.

      , September, 2012

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    • 0 of 0 people found the following review helpful.

      , September, 2012

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    • 0 of 0 people found the following review helpful.

      , August, 2012

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    • 0 of 0 people found the following review helpful.

      insurance quotes, August, 2012

      great quote and very fast

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    • 0 of 0 people found the following review helpful.

      need better price, August, 2012

      the polocy is increasing so I am looking for a new insurance that cost less and better price because this was so high for this renwal.

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    • 0 of 0 people found the following review helpful.

      raised cost, August, 2012

      raised cost and cut my coverge

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    • 0 of 0 people found the following review helpful.

      need mobile homeowners ins. , July, 2012

      I was in boston MA and my mail did not get forwarded intime to pay my premium cancelled no renewal

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    • 0 of 0 people found the following review helpful.

      Desire for Competitive Quotes, July, 2012

      We purchased our home in August of 2010 and sought Homeowners Insurance. In the past, in other states, we had choices. Here in Florida, only one company, Citizens, appeared to be available. We would like a comparison.

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    • 0 of 0 people found the following review helpful.

      It isn't right, May, 2012

      I was dropped by the company because I missed a payment. I can understand the policy being cancelled but then to not allow you to get another policy with them is rediculous. I have a mobile home in Florida, almost impossible to find coverage for and then one of the only companies to offer insurance drops you permantly for an error. It is not right.

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    • 0 of 0 people found the following review helpful.

      Costly insurance, April, 2012

      I need insurance for my home which is not cost an aarm and a leg. we need fordable insurnce coverage

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More About Citizens

Citizens Property Insurance Corporation is based in Tallahassee, Florida. The company was founded in conjunction with the state government of Florida, and is run by a board of governors who have been appointed by the current state executive officeholders. Citizens Property Insurance's mission is to provide property insurance to people in the state of Florida who could not otherwise qualify for insurance coverage.

Due to its connections with the Florida state government, Citizen's Property Insurance is a tax-exempt, non-profit insurance company. It is run by following a series of values (public service, integrity, respect, courtesy, fairness and responsiveness) and five specific corporate goals, all of which were designed with policy holder in mind. Aptly named, Citizens Property Insurance Corporation offers the following types of insurance coverage:

Personal Residential Multi-peril

  • Homeowners
  • Tenant Contents
  • Condominium Unit Owners
  • Mobile Homeowners
  • Mobile Home Tenant Contents
  • Dwelling Fire
  • Mobile Home Dwelling Fire

Personal Residential Wind-Only

  • Homeowners
  • Tenant Contents including mobile homes
  • Condominium Unit Owner
  • Dwelling
  • Mobile Homes
  • Mobile Home Dwelling

Commercial Residential Multi-peril

  • Condominium associations
  • Apartment buildings
  • Other commercial residential coverage of residences
  • Residential buildings of a continuing care retirement community
  • Common elements of homeowners associations
  • Residential buildings of a homeowners association

Commercial Residential Wind-Only

Commercial Nonresidential Multi-peril

Commercial Nonresidential Wind-Only

Citizens Property Insurance offers discounts for the following reasons only:
  • Wind-resistant construction techniques and features. This only applies to the wind portion of each premium, and does not apply to mobile homes.
  • Houses that comply with the Florida Building Code of 2001. For specifics on this discount, a Citizens Property Insurance Agent must be contacted.

With only three offices state-wide, in Tallahassee, Jacksonville and Tampa, Citizens Property Insurance Corporation conducts most of their policy-related business over the internet. Their website is set up so that policy holders can view their policies, submit claims and receive payment information with a single log-in. Citizens Property Insurance's agents and adjusters operate via the website as well. With all of this information available 24/7, their policy holders can receive the information that they need quickly and easily.