Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
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At a glance
Bankrate's take
Policyholders who live in Florida and cannot find standard home insurance coverage might consider Citizens as a last resort.
Available to Florida homeowners who otherwise cannot afford home insurance with other carriers
Offers standalone wind insurance
Coverage can only be purchased through an agent
Mitigation discounts available
Not rated by J.D. Power for claims satisfaction or customer service
Home
Avg. annual premium for $300k dwelling coverage
$7,402
New
What’s new with Citizens?
As of November 2024, Citizens' policy count dropped below 1 million for the first time in two years. The company transferred more than 428,000 policies to private insurers over the course of the year, marking a 19.5 percent decrease in the number of policies held by the company. As the insurer of last resort for Florida homeowners, Citizens' leadership team saw this as a positive sign.
On June 18, 2024, Citizens submitted a 13.5 percent rate increase proposal to the Office of Insurance Regulation for review. If approved this would impact the rate of home, condo, unit owners, renters and mobile home policies.
As of May 13, 2024 policyholders who are required to purchase flood insurance are no longer required to carry flood coverage on their personal property.
Effective July 1, 2023, the discovery period in which Citizens can cancel a new business policy if the homeowner has not met the underwriting requirements is shortened from 90 to 60 days. This change does not alter the discovery period for policies obtained through receivership or insolvency.
Effective July 1, 2023, Citizens cannot issue nonrenewals or cancel policies until damage from covered claims is repaired or until one year after the last claim payment, whichever is sooner. Damage caused by wind or hurricanes following a declaration of emergency holds a different provision.
In December 2022, the Florida Legislature passed Senate Bill 2-A, which includes reform to the Citizens insurance program. To qualify for a policy from Citizens, shoppers must prove that the private market quotes they received are more than 20 percent higher than Citizens’ rate. Additionally, all Citizens policyholders will be required to carry flood insurance, although this step will roll out in several phases.
Citizens home insurance
Citizens Property Insurance Corporation of Florida is a nonprofit insurer operating in the state of Florida only. It was established in 2002 to provide a last-resort option for homeowners in Florida's troubled insurance market who were not able to find coverage elsewhere. The increase in violent and unpredictable weather patterns in the state has spurred some insurers to stop underwriting policies here, and the average cost of homeowners coverage in Florida is considerably higher than the national average.
For homeowners in the Sunshine State who wonder if this insurer is a good option, Bankrate’s Citizens insurance review delves into the company’s offerings and restrictions. Although Citizens is unlikely to appeal to those who can find lower-cost coverage elsewhere, it may be the only possible choice for coverage for homeowners with property in high-risk areas.
In August 2022, the Florida Office of Insurance Regulation granted Citizens a 6.4 percent rate increase for new and renewal home insurance businesses, effective Sept. 1, 2022. Citizens had originally requested a 10.7 percent increase.
Citizens began 2022 with 776,790 policies and ballooned to 1,111,283 by October that year, a 43 percent increase. Since insuring so many of Florida’s high-risk homes could create problems in the aftermath of a catastrophic loss, Citizens implemented efforts to reduce its number of policies, which effectively dropped to 935,948 as of Dec. 20, 2024.
Among other forms of coverage, Citizens sells HO-3 home insurance policies, which are the most common type sold by home insurance companies in the Sunshine State. These policies cover the structure of your home, detached structures, your personal property, additional living expenses, medical payments and liability exposure. You may be able to add a few endorsements, too, like sinkhole coverage and personal property replacement cost, for more robust financial protection.
To qualify for Citizen home insurance, you must be able to show that you have not been able to obtain coverage through any Florida insurer or that the cost of a policy from other Florida insurers is more than 20 percent higher than the cost of a Citizens policy. Citizens also requires policyholders to carry flood insurance, which adds an additional premium. These regulations are likely in place to help encourage homeowners to seek private insurance.
Pros and cons of Citizens homeowners insurance
As is true of all insurance companies, there are pros and cons of purchasing a policy from Citizens. If you are a Florida homeowner in a high-risk region and have been turned down for affordable coverage with other companies, Citizens may be a viable last-ditch option. Since the company's average rates are relatively high, it is likely not a good option for those looking for cheap homeowners insurance in Florida. If you are unable to find conventional coverage and are considering Citizens, the following perks and drawbacks may matter to you.
Pros
Available for most homes in areas of Florida with limited or no other insurance option
Offers standalone wind coverage
24/7 claim reporting
Cons
Must go through an agent for quotes
Premiums are likely to be high
Home must meet eligibility criteria
Citizens home insurance cost
While the May 2025 average cost of home insurance in Florida is $5,409 per year for $300,000 in dwelling coverage, Citizens may be a cheaper insurance option than private insurers. One of the ways to qualify for coverage with Citizens is to show that the rates for a comparable policy with private insurers are more than 20 percent higher than the rates with Citizens. The May 2025 average cost of home insurance with Citizens is $7,402 per year for $300,000 in dwelling coverage.
Keep in mind that while Citizens rate is 218 percent more than the state average, it isn’t a true apples-to-apples comparison. Citizens is the insurer of last resort, so the bulk of its business is homes that are deemed high-risk for any number of reasons.
$150K dwelling
Citizens average premium
$3,738
National average premium
$1,437
$300K dwelling
Citizens average premium
$7,402
National average premium
$2,329
$350K dwelling
Citizens average premium
$8,633
National average premium
$2,600
$450K dwelling
Citizens average premium
$10,610
National average premium
$3,141
$750K dwelling
Citizens average premium
$12,082
National average premium
$4,437
Compare Citizens homeowners insurance rates
Home insurance rates not only vary between states, but also between companies. Some carriers may specialize in certain risks or rate certain claims differently from others. This is why comparison shopping your insurance policy is instrumental in finding a cheaper homeowners insurance rate.
When comparing home insurance companies, reviewing financial strength and customer satisfaction may help you determine if you will be satisfied with a carrier's service. Citizens Insurance reviews are scarce, with neither AM Best nor Demotech rating the company for financial strength.
Citizens only exists in Florida. Although there are other companies with the same name in other states, they are not affiliated with Citizens in Florida. As a regional company, Citizens wasn’t rated by J.D. Power for customer or claims satisfaction.
Citizens home insurance customer complaints
The National Association of Insurance Commissions (NAIC) does track complaints against Citizens. The company has scored well for each of the last three years, coming in at less than the industry average of 1.00. This suggests that Citizens has fewer-than-average complaints lodged against it, which is good news for Florida policyholders.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2021-01-01 00:00:00 to 2023-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.11 to 0.33.
End of interactive chart.
Citizens home insurance discounts
Homeowners who want to save money on home insurance may be able to take advantage of discounts through Citizens Property Insurance. In order to qualify for many of these discounts, you must get a home inspection first. Below are some of the most impactful discounts that Citizens offers:
Florida building code compliance discount: If your home was built on or after Jan. 1, 2002, you may qualify for this discount based on the building codes your home was constructed under. If your home was built prior to 2002 but you have an updated roof that meets the 2002 Florida Building Code, you may also qualify.
Monitored alarm system discounts: If your home has a centrally monitored fire or burglar alarm, or both, you may get a discount. Centrally monitored alarms automatically alert emergency services to dangerous situations.
Roof construction discount: You may save on your Citizens policy if your roof has certain construction features, although you might need to provide the results of a roof or wind mitigation inspection to qualify. If you’re already getting the building code compliance discount, you likely won’t qualify for a separate roof discount.
Wind mitigation discount: If your home has documented wind-damage mitigation features, you could qualify for a lower rate. Examples include storm shutters and doors that are designed to withstand projectiles.
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare Citizens with other insurers
Keep in mind that not all companies are available in all areas of Florida. Eligibility may also be restricted based on your home’s unique features. Talking with an agent from each company is the best way to know if you qualify for coverage and if the coverage will fit your needs.
Featured
Citizens
Not scored
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Bankrate identified key carrier features, coverage offerings, discounts and more
Citizens may be the only option for Florida homeowners who can't find affordable home insurance with Florida-authorized insurance companies.
However, Florida homeowners who can secure a standard homeowners policy at a rate within 20 percent of a similar Citizens policy are not eligible for Citizens coverage.
Kin operates in some of the more high-risk states: Alabama, Arizona, Florida, Mississippi, Louisiana, South Carolina and Virginia. Kin could be a good option if you value innovation, as the company takes a tech-forward approach to rates and claims that may appeal to homeowners looking for a non-traditional insurance experience. Kin doesn’t have a mobile app, though, and its small size precludes it from most third-party reviews. However it does have an A (Exceptional) rating from Demotech, a company that rates insurance providers on financial stability.
State Farm may appeal to homeowners who like working with a local agent. As the country’s largest property and casualty insurer, State Farm is backed by A++ (Superior) AM Best financial strength and high third-party customer and claims satisfaction ratings. However, State Farm’s eligibility requirements in Florida may be strict, so not all homeowners will qualify.
The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
Is Citizens a good insurance company?
Citizens insures Florida homes that many other carriers shy away from. For homeowners in coastal areas and other storm-prone parts of the state, Citizens may be the only way to get home insurance coverage. As Florida’s home insurance market continues to fluctuate, Citizens may allow homeowners to obtain some measure of financial protection. However, Citizens policies are more basic than you could find elsewhere and you will be required to buy flood insurance to get or maintain coverage with Citizens. Remember that Citizens isn’t designed to be an insurer of choice, but rather an insurer of last resort.
What are real-life customers saying about Citizens?
Reading customer reviews and candid messages among policyholders is another good way to learn how they feel about their insurance provider. Citizens is unique in that most of its customers don’t have a choice to go with another carrier, and they all were deemed “high-risk” by other carriers. Recent reviews aren’t readily available on most sites, but Reddit has the most current posts.
Reddit
Most of the reviews concern the rising cost of insurance and Citizens' efforts to depopulate their book of business. To provide some context for the following reviews posted on Reddit, keep in mind that Citizens is legally required to move any policy off the books that has a valid insurance offer priced within 20 percent of the current Citizens policy premium. A valid concern of most policyholders is what happens after their new insurance company renews their policy the following year.
Reddit User 1*
Mar 29, 2024
Citizens depopulation
“We got a letter from Citizens last fall that "Good News! A regular insurance company is willing to offer you coverage!" It was Slide and the premium was close to double what Citizens was so we were able to decline.
“My Citizens barely increased and then I was notified for renewal. Then a week later, I was told that I was being pushed onto another company, with no choice in the matter, and now my policy will be going up $500 a year for a company with a notoriously awful track record. UGH.”
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Citizens company details
Citizens' primary focus is to provide property insurance for people who cannot purchase it through the private market. That said, they have a number of coverage options applicable to this particular high-risk market.
Citizens Property Insurance Corporation is only available in the state of Florida.
Citizens tools and benefits
Citizens' primary focus is to provide property insurance for people who can not purchase it through the private market. That said, they have a number of coverage options applicable to this particular high-risk market.
Commercial properties: Citizens can offer multiperil and wind-only policies to qualifying commercial properties that are used for residential purposes such as apartment buildings and retirement community buildings. These policies exclude personal liability coverage. Non-residential commercial properties may qualify for wind-only policies.
Sinkhole loss coverage: Sinkholes and other ground subsidence losses are excluded from most home insurance policies. This optional endorsement can provide coverage for structural damage resulting from a sinkhole loss.
Personal property replacement cost: Standard home insurance policies provide coverage for personal property at actual cash value (ACV), which takes into account depreciation. This optional endorsement will pay to repair or replace your personal property at replacement cost value, minus your deductible.
Increased limits for ordinance or law: There are times when a home is damaged in a covered claim and the state requires the repair to include updates to meet current building codes or laws. The increased cost is usually excluded from most home insurance policies and this optional coverage can help you bridge the gap between your claim payout and the added cost of the required updates.
Frequently asked questions about Citizens
Citizens highlights several social responsibility actions on its website. Employees at the company participate in rally teams for fundraisers including Relay for Life and Making Strides walks. Senior leadership participates in philanthropic team-building activities for organizations including Toys for Tots and Second Harvest. Company employees have also participated in volunteer efforts at the Ronald McDonald House and Clara White Mission.
To file a claim with Citizens, you can call 1-866-411-2742 or file the report online with Citizens myPolicy. When filing a claim, you may be asked for information like your policy number, your contact information, a description of the damage (including the date that it happened) and information about your mortgage company (if you have one). Once your claim has been filed, a Citizens adjuster will review your policy and the details of your loss to determine if you have coverage for the damage.
Not all homes are eligible for coverage with Citizens. Here are a few of the guidelines to keep in mind when applying for a Citizens homeowners insurance policy:
The homeowner must show they cannot secure coverage with any other home insurance provider.
The homeowner must show that the policies they can secure through the private market are too expensive — they must be at least 20 percent higher in cost than a comparable Citizens policy.
Homes that are unsafe for occupancy or do not fulfill mandated repair requests are not eligible.
The home must be owner occupied either year-round or seasonally.
Citizens is owned and operated by the State of Florida. It is considered a not-for-profit government entity that is funded by policyholder premiums. However, if the premiums collected cannot cover a specific catastrophic loss, Citizens is legally required to levy a Citizens Policyholder Surcharge. This is also known as a "Hurricane Tax" and applies to the premiums for most Florida policyholders with private insurers.
Florida has a complex home insurance landscape, so there's not one company that's best for all homeowners. Each home and homeowner has unique needs and circumstances, and every insurance provider differs in some ways from their competitors. Deciding how much home insurance you need, narrowing down your coverage priorities and comparing rates will help you find the best home insurance in Florida for your needs.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
50% Cost & ratings
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
What policyholders are saying about Citizens
Citizens has 49 reviews
Dive into community reviews below and see what others think about Citizens.
4.0
49
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
65% of consumers recommend this insurer
Score breakdown
5 stars
41%
4 stars
24%
3 stars
29%
2 stars
4%
1 star
2%
Score by category
Overall rating4.0 / 5
Original cost3.4 / 5
Coverage3.8 / 5
Customer Support3.8 / 5
How we got these ratings
In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Community Reviews
See what users like you are saying about Citizens.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Price and customer service is the main decider
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I chose this insurer due to the options offered and the packs they had available to me
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support3/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Customer service is good and the rate is competitive so going to stick with Citizens.
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage3/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They have efficient service and offer quick help in time of need
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
It is cheaper than other companies
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They are one of the leader in the market here in Florida, I did my research and saw they had many positive reviews
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support3/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Do not have a choice it is a monopoly for home insurance they are the only insurer
Insurance Type
Home
Score by category
Original cost1/ 5
Customer Support2/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Stay with them because I live in Florida and it is difficult to get insured with another carrier. I have had one claim in 30 years.
Insurance Type
Home
Score by category
Original cost1/ 5
Customer Support3/ 5
Coverage2/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Citizens provide good customer service. For home insurance, I never filed a claim
Insurance Type
Home
Score by category
Original cost3/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Jessa Claeys is an insurance editor for Bankrate with over a decade of experience writing, editing and leading teams of content creators. She is a licensed personal lines insurance producer in Colorado. Jessa currently covers auto, home and life insurance with the goal of helping others secure a healthy financial future. Her work has been published by several insurance, personal finance and investment-focused publications, including BiggerPockets, 401(k) Specialist, BP Wealth and more.
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