Secured with SHA-256 Encryption
Select Page

Citizens Insurance Review & Complaints: Property Insurance

Citizens Insurance Company is a non-profit, government-based property insurance company, offering services in Louisiana and Florida. Citizens Insurance Company only offers property insurance products, including wind-only damage and multi-peril coverage.

FREE Insurance Comparison

Compare quotes from the top insurance companies and save!

Secured with SHA-256 Encryption

Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

Full Bio →

Written by

UPDATED: Sep 15, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Citizens Insurance
Premiums
Claims
Feedback
Financial Strength



Compare Insurance Quotes

Secured with SHA-256 Encryption
Citizens Property Insurance Corporation is the common name for nonprofit, government-based property insurance programs in Louisiana and Florida. The program began in 2002 as a last-resort option for insuring individuals who cannot obtain coverage through a regular company due to their risk level. It’s primarily a government-based initiative to reduce the number of uninsured homeowners. After its launch, it became the largest insurer in Florida.

Part of the necessity of Citizens Insurance is to offset the problems faced by insurers in both Louisiana and Florida due to natural disasters in the area. The threat of hurricanes is simply too high for some companies to offer home insurance products in certain geographic locations.

Since major disasters like Hurricane Katrina can wipe out large areas and end up costing insurance companies billions of dollars, many insurers chose to stop offering coverage in those areas. This makes it nearly impossible for people in some geographical locations to buy insurance.

Insurance Products

Property Insurance

Citizens Insurance only offers property coverage. Drivers in Florida and Louisiana will need to look elsewhere for car insurance.

Policies are available for wind-only damage as well as multi-peril coverage. A wind-only policy could be used in conjunction with another insurance company to fill the gaps. Additionally, Citizens offers policies for personal and commercial properties, including non-residential structures like office buildings.

Far and away the most common policy sold by the company is the personal residential multi-peril policy, which offers basic homeowners coverage to individuals. This accounts for about half of all policies sold through the program.

Policy types are further subdivided by the property being insured. Homeowners, condo dwellers, and mobile home owners all have their own policies to match their unique needs. These policies will all cover the building itself as well as its contents and surrounding related structures.

You can also get contents-only policies for your personal belongings if you rent rather than own your home.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Citizens Insurance Rates

Citizens Insurance does not offer online quoting. To get a quote or purchase insurance, you’ll want to call the Customer Care Center at 888-685-1555 between 8am and 5:30pm EST.

Claims

The Citizens Insurance Claims Center offers plenty of information about the claims process, including your policyholder declaration of rights that spells out what you can expect from the company.

To file the claim, you’ll need to call 866-411-2742. The number is available 24/7. When calling, you’ll need to describe the damage and make it clear whether or not your home is unlivable, as claims are prioritized according to severity. After the initial claim is filed, an adjuster will be in contact to complete an inspection of the property and move the claim towards closure.

Consumer Research and Complaints

Although Citizens Property Insurance is not accredited with the Better Business Bureau, the site gives them an A rating. There have been only two complaints listed in the last three years, one of which has been closed in the past 12 months.

Consumer Affairs lists 42 one-star ratings, of the 59 ratings that were left on the site. Complaints vary, but the common thread running through most is limited coverage and claims either being denied due to that coverage limitation, or the pay-out being lower than needed due to the way the property is valued. Complaints about prices are a common thread as well.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Financial Strength

Rating Company Grade Financial Outlook
AM Best A Stable
Fitch AA Stable
S&P A- Stable

Bottom Line

In general, Citizens Insurance should be looked at as a last resort rather than a first choice. Like the “public defender” of insurance, Citizens will do a serviceable job but will be neither as affordable nor as high-quality as many other options. If your options are limited, however, it’s better to be insured with Citizens than to be without insurance completely.

For a list of companies that we recommend, visit our Best Insurance Companies page.

Compare Insurance Quotes

Secured with SHA-256 Encryption

Review Information

Summary
Review Date
Reviewed
Citizens Insurance
Author Rating
21star1stargraygraygray

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

1 Comment

  1. I’m looking at two insurance quote for my mobile home and one is citizen and the two other is u.s coastal p&c insurance and wondering which would be best

    Reply

Leave a Rating

Your email address will not be published. Required fields are marked *