Citizens Property Insurance in Florida – How it Works
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Several different companies in the U.S. are affiliated with or at least associated with Citizens Property Inc. One of the most notable is Citizens Property Insurance Corporations in Florida; a government-owned non-profit insurance company that underwrites homeowners insurance policies in Florida and Louisiana.

Citizens Property Insurance Florida is a leading provider of personal and commercial property insurance in regional markets in the U.S. Besides providing its services in Florida, Citizens homeowners insurance is also available in Florida and Texas more recently.
Citizens Insurance parent company is one of the top 25 property and casualty providers in the United States. It has been doing its business for more than 160 years, providing a broad range of insurance products, not just in the U.S. but worldwide.
Besides overseeing the citizen’s property and casualty insurance unit in Florida, the large carrier has more than a dozen subsidiaries, including some well-known financial brands.
As evidence of its broad scope of business and international reputation, it also underwrites business at Lloyd’s of London in various sectors, including property, energy, and marine. Given that Lloyd’s of London has placed their trust is a sign of good faith that took decades to develop.
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Citizens Property Insurance Florida – Coverage Packages
Citizens Property Insurance has diverse lines of coverage that are divided into three different packages. They include the Diamond, Diamond Select Plus, and Diamond Select Premium packages, each with its own unique benefits.
Each of those packages can be expanded with various types of additional coverage, from limits of $100,000 to well over $1 million. Citizens Property Insurance can provide coverage for any budget or property, including custom plans upon request. Compare rates and plans in about five minutes. Start by entering your zip code and filling out a quote application. If you prefer, you can call a licensed agent and get a custom quote over the phone in under ten minutes.
While the limits and types of coverage can differ from state to state, the available options are more or less the same. Citizens Property Insurance in Florida provides a broad range of home insurance coverage, as briefly outlined below.
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1. Diamond Package
The Diamond Package includes all the basic types of coverage provided by Citizen Insurance Company, which covers many things as follows:
- Waiver of Deductible: If a single loss to your property affects other things such as a car, boat, or another home, only the highest policy deductible will apply. Other policies with less deductible are entirely waived. However, it applies when the loss to that policy does exceed the allowable.
- Fire Extinguisher Replacement or Recharge: Citizens Property Insurance Florida will pay for a recharge or replacement if you use your portable fire extinguisher to fight a fire in the insured property. There is no deductible required for this coverage.
- Mortgage Extra Expense Coverage: If a total loss occurs, this coverage provides reimbursement to replace the property. If a new mortgage is required, with a higher interest, the additional interest is covered, including up to $1,000 for application fees, appraisals, and title. There is no deductible required.
- Siding and Roofing Restoration: If the roofing or siding is damaged only to a particular portion (not all parts are damaged), the company covers the cost to replace the whole part. The amount of coverage reaches up to $20,000.
- Extended Dwelling Replacement Cost: It covers losses up to 125 percent of the policy’s limit. Some benefits of this coverage include the likelihood of obtaining quality materials comparable to your previous property, and it also ensures to cover the increased cost of labor material.
- Personal Property Replacement Cost: This coverage provides replacement costs for destroyed, stolen, or damaged personal property. It does not take the property’s condition or age (depreciation) into account.
- Food Products: Due to loss of power, the company will even cover food products stored in a freezer or refrigerator.
- Lock Replacements: In the unfortunate event that your keys are stolen, it includes the replacement cost of external locks replacement.
2. Diamond Select Plus
Apart from the basic Diamond Package, Citizens Home Insurance also provides a complete range of coverage included in Diamond Select Plus. This package consists of all types of financial protection from the Diamond Package, but it adds the following:
- Extended Dwelling Replacement Cost reaches up to 150 percent of the policy’s limit.
- Water Backup and Sump Overflow covers property losses caused by water backing up through drains or sewers. Damages caused by sump overflows are also covered. The coverage reaches up to $10,000.
- Personal Injury: it includes the cost related to personal injuries. The financial protection also includes lawsuits, lawyer’s fees, and even time off from work.
- Identity Fraud: the expense as a result of identity fraud is covered. It may include mailing costs and document duplication. All legal fees involved in the process are also covered.
3. Diamond Select Premium
One of the most popular plans available from Citizens Property Insurance Florida is bundled in the Diamond Select Package. It has everything from the previous two packages and two more benefits. Included are water backup and sump overflow coverage of up to $25,000 and removal of the deductible when property loss exceeds $50,000.
Besides those two additional benefits, Diamond Select Package includes Special Personal Property insurance. It covers all but specifically named perils or causes, such as smog, rust, freezing, and pollutants. It even incorporates three more conditions including:
- Breaking fragile items that won’t cover a standard policy
- Lost jewelry such as watches, silverware, furs, and more
- Damages caused by non-earthquake earth movement
Depending on your needs, a Citizens Property insurance quote can add extra coverage or endorsements for added protection. The support may include a breakdown of household equipment. Plus, it guarantees cost replacement after a total loss of assisted living care. It also provides a stand-alone water backup and sump overflows coverage that exceeds the limit mentioned in any of the packages listed above.
In addition, Citizens Florida Insurance also offers some discounts with comfortable eligibility requirements, such as non-smokers, installed safety or security devices, group discounts, newer home credit, and account credit.
To compare the lowest rates and plans from Citizens Insurance Florida, fill out a quick citizens home insurance quote request. It takes about five minutes, and you can qualify for online discounts that can save you hundreds more. Citizens Insurance is committed to providing the best coverage and service in the industry, and it starts with our valued customers. Start your free quote today and see how easy it is to save with Citizens Property Insurance.
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