Citizens is more than just an insurance comparison website – it’s a platform dedicated to ensuring citizens have the proper insurance coverage they need to protect themselves and their families. Whether you’re looking for auto or home insurance, Citizens Insurance has got you covered.
At Citizens, we offer a simple online experience that allows you to compare quotes from top-rated insurance companies and choose the best coverage for you. We understand that every citizen’s insurance needs are different, so we offer a wide range of policies and coverage options to suit your unique circumstances, whether you’re located in New York, Florida, Michigan, California, Louisiana, or any other state.
Citizens Insurance Coverage
Citizens Insurance has some of the cheapest home and auto insurance rates available. Our site also has insurance discounts for good drivers, seniors, and military veterans. With excellent personal service and total integrity, our website has serviced numerous loyal, satisfied customers.
Citizens Insurance has a well-trained staff of agents that can help you get a policy that suits all your needs at a great price. While you’re here, please feel free to explore our Citizensinsurance.net website.
There is no obligation to request a quote from Citizens, but the quote is entirely free of charge. See how cheap Citizens Home and Auto Insurance is! Best of all, the process only takes about ten minutes, and we do almost all the work.
Get your free no-obligation quote online today and get covered for less.
Citizens Auto Insurance: Now Offering No Deposit Insurance
Due to increased demand from clients, Citizens now offers instant car insurance with no deposit quotes for its customers. Citizens’ very cheap car insurance with no deposit alternatives has become a popular choice due to their low out-of-pocket upfront expenses.
In addition to excellent service, Citizens has some of the cheapest home and auto insurance anywhere in the U.S. Our website offers multiple discounts, like bundling auto and homeowners insurance, that could save you 20% or more. Rates for auto insurance start as low as $39 a month.
Citizens Home Insurance: Offering Affordable Auto/Home Coverage
One of the best secrets to saving money on your insurance is to bundle your home and auto policies together under one provider. If you have a home and vehicle that needs to be insured, you can save up to 25% by combining your policies into one umbrella plan.
Now our customers can find both affordable home and auto insurance with ease. Citizens insurance also provides low rates for customers who bundle their home and auto policies. This has allowed many policyholders to combine their auto and home insurance coverage into one policy with no initial deposit and save 15% or more.
Citizens Home and Auto Insurance not only provides excellent coverage but serves markets many companies have left. This dedicated service has created longstanding loyalty among customers. Citizens Insurance is committed to providing the lowest rates to all customers in each market it serves.
Get a quick quote online and see your custom rate in minutes. To see how easy getting covered with the cheapest auto and home bundled policy can be, enter your zip code. It takes about five minutes to fill out a Citizens home and auto insurance quote.
Citizens Insurance website and companies with similar names
It’s important to note that there are insurance companies out there who we are not affiliated with that have similar names to our website, such as:
- Citizens Insurance Company of America / Illinois / MidWest / Ohio (hanover.com/why-hanover/about-our-company/our-companies)
- Citizens Property Insurance Corporation, Florida (citizensfla.com)
- Louisiana Property Insurance Corporation, Louisiana (lacitizens.com)
- Citizens Inc, Colorado (citizensinc.com)
- Citizens Insurance, Lincoln, North Carolina (citizensins.net)
- Citizens Insurance Group, North/South Carolina (citizensinsnc.com)
- Citizens Insurance Agency, Kentucky (citizensinsuranceagency.com)
- Senior Citizens Insurance Agency, Arizona (seniorcitizensinsuranceagency.com)
- Citizens Insurance Agency of Lawrenceville Inc (citizensinsurancelawrenceville.com)
We want to implicitly state that we are a separate entity and not affiliated in any way with any of these companies.
Let’s discuss the three largest ones.
Citizens Property Insurance Corporation
It is a not-for-profit insurance company, primarily serving the Florida market. It is sometimes referred to as “Citizens Insurance” for short but our website has no affiliation with it. The nonprofit entity was created in 2002 to be an insurer of last resort and not a primary home insurance provider in Florida. Most national insurers had left the region because of the inherent risk of serving the Florida market as natural disasters such as hurricanes and severe flooding are common occurrences. It forced Citizens Insurance, the provider, to scale quickly and provide home insurance coverage to over one million residents. Therefore, the insurer rescued countless Floridians and filled the home insurance market gap at a critical time. By 2005, the company was the largest home insurer in Florida.
Currently, the company, which has provided coverage to Floridians for decades, has no intention of leaving the area. Despite offering low home insurance rates, largely due to its tax-exempt nonprofit status, the corporation has made critical assessments on most of the properties insured by the company and, in most cases, initiated rate hikes. While some policyholders have resisted these hikes, they are necessary to ensure the company remains financially stable and viable. Homeowners frequently have no other option but to keep paying the higher premiums and wait for the rates to decrease in the future.
Whether you have a small mobile home that needs coverage or a large estate with multiple structures, the not-for-profit provider Citizens Insurance offers some of the most affordable rates for Florida homeowners residing in high-risk areas.
Louisiana Citizens Property Homeowners Insurance Corporation
Louisiana Property Insurance Corporation is a nonprofit insurance company that provides property insurance to homeowners in Louisiana. They were created by the state legislature in 2003 in response to the lack of affordable property insurance options in the wake of Hurricane Katrina. The carrier is modeled almost precisely like the carrier Citizens from Florida. Its primary focus is to help homeowners who could not otherwise obtain property insurance get covered at affordable rates.
Qualified Louisiana residents looking for reliable and affordable home insurance coverage can easily get Citizens Home Insurance through the Louisiana Citizens Property Insurance Corporation. After multiple severe storms caused billions in property damages, many local Insurers went bankrupt. This misfortune resulted in many homeowners with unpaid claims and financial ruin in many cases.
While several insurers have re-entered the market and driving down costs, the area still is primarily underserved by major insurers. Although slowly, the area has been getting back to normal and the rates are currently quite attractive. However, if another severe storm occurs like the Katrina devastation, expect the company to increase rates throughout the region dramatically.
Many residents are comforted that Citizens Insurance Louisiana will help out with immediate claim assistance when disaster strikes in a minimum amount of time. The insurer has a near-flawless claim payout record in the region.
Citizens Insurance Company
Citizens Insurance Company of America is a regional insurance carrier that provides personal and commercial property, casualty, and automobile insurance in Michigan. They have been offering low-cost home and car insurance coverage for over 30 years, providing comfort to many residents that they will receive coverage in the event of a disaster.
As a company of Hanover Insurance Group, the insurer has successfully sold car insurance in the region to residents and businesses. The company prioritizes personal service and total integrity, resulting in a large group of loyal and satisfied customers. The group also has other property and casualty companies in states like Citizens Insurance Company of Ohio, Illinois, and Midwest.
The Insurance Group comprises several Citizens insurance companies specializing in personal, commercial, and specialty insurance products. The group values innovation, customer focus, and teamwork and is dedicated to helping customers navigate risk and protect what matters most to them.
Michigan Home Insurance
Citizens Insurance offers affordable home insurance in Michigan but provides online insurance quotes for all 50 states through our partners.
Citizens Home Insurance in Michigan offers rates for various structures, starting at less than $100. Customers can also receive discounts by installing a security system, upgrading their roofs, and installing new plumbing and electrical systems.
For a free, no-obligation home and auto insurance quote, always visit our website: citizensinsurance.net.
If you have any questions about our insurance comparison services or the quotes we offer, please do not hesitate to contact us. Thank you for considering our Citizens Insurance website for your insurance needs.
Florida Home Insurance
One of the most hazardous areas in the United States for natural disasters is the Gulf Coast region. The area has been inundated with severe storms such as Hurricane Katrina. There have been more than a dozen hurricanes in Florida alone in 2004. Due to its geographical layout, with the Atlantic Ocean on one side and the Gulf of Mexico on the other, Florida can expect severe storms and hurricanes nearly every year.
After 2004, one of the most difficult Florida hurricane years in recent memory, many insurance companies lost significant amounts of money in the state. This vacancy of insurance providers and the skyrocketing premiums of those few companies that continued to serve Florida caused spike rates dramatically. Many homeowners found themselves needing coverage or with rates that were just too expensive. The companies then decided to pull out of the market for fear of continued losses.
In the last couple of years, several large companies, such as Liberty Mutual and Geico, have re-entered the Florida market because of the low rate of natural disasters. These companies have, in some cases, lower rates to offer than existing insurers.
As long as natural disasters occur at a low rate, expect more and more companies to move to the Sunshine State and home insurance rates to get even cheaper. This benefit is significant to residents needing affordable coverage.
Due to the increase in claims due to natural disasters like Hurricanes in Florida, most insurance providers deem Florida far too risky and a potential major money-losing market. The area is prone to severe and powerful hurricanes, which can destroy property and cause extensive homeowner damage, including total structural loss. A major hurricane that affects a largely populated area could do billions in property damage.
In the last several years, almost everyone in Florida has seen news coverage about the horrible sinkholes that appear to be popping up all over the state. One man was even resting in his bed when a giant sinkhole consumed his house, and sadly, he died. This frightening and unpredictable force of nature has insurance companies on edge.
In some instances, homeowners have made the tough decision to move away from areas that are deemed risky to possible sinkhole disasters. This warning is not only for safety concerns but also because of the dramatic rise in home insurance rates.
Also, because of this, some insurers are raising rates or pulling out of the market altogether. Many companies have hiked their rates dramatically in areas prone to sinkholes, making home insurance unaffordable to many residents.
One excellent tip to all new homeowners in Florida is to make sure they make a geographical assessment of the area near and around their future home before purchasing it. Doing this can save you thousands in the long run or lower homeowner’s premiums. Completing this assessment not only saves you money but could also possibly save your life.
Free Insurance Quotes
Compare insurance rates where you live now and see how much you can save, all from the comfort of your home or office. You can get insured any time of day or night with just an internet connection and five minutes of your time. You can even use your smartphone to obtain a free auto or home insurance quote. If you prefer to speak with an agent, they will be available to answer any questions or address any concerns you may have.
Get a no-cost quote for auto or home insurance today and discover how much you could save with our easy and convenient process.