This Citizens review will cover Citizens ratings by real users for overall satisfaction and claims, cost, billing, and service satisfaction. To compare insurance rates from the best companies in your locale, enter your ZIP code below.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Nov 19, 2011

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Company Details
Address: 2312 Killearn Center Boulevard
City: Tallahassee
State: FL
ZIP Code: 32309
Phone Number: (850) 513-3700
AM Best Rating: N/A
Moody's Rating: A1
Company Rating 3.24 (45 reviews)
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.

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.


  1. Anonymous March 22, 2019
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