Citizen Home Insurance

Home insurance is a necessity for anyone who owns a home, but finding the right policy can be overwhelming. With so many insurance companies and policies out there, how do you choose the best one for your needs? This is where Citizen Home Insurance comes in. Citizen Home Insurance is a leading provider of home insurance policies with a focus on providing comprehensive coverage at affordable rates. In this article, we will discuss everything you need to know about Citizen Home Insurance, including their policies, coverage options, and customer service.

About Citizen Home Insurance

Citizen Home Insurance is a subsidiary of Citizen’s Property Insurance Corporation, which is a state-run insurance company under the Florida State government. Established in 2002 after Hurricane Andrew damaged properties, the company aimed to provide insurance for homeowners who have trouble finding coverage in the private insurance market.

They started with an initial investment of $10 million to provide coverage to Floridians who couldn’t find adequate insurance elsewhere. Over the years, Citizen Home Insurance has grown to become a leading provider of home insurance policies in Florida and other states with a focus on providing affordable insurance coverage to underserved areas.

The Policies

Citizen Home Insurance offers various policies that cater to the specific needs of homeowners. Their policies include:

Policies
Benefits
Standard Homeowners Insurance Policy
Covers damage to your home, personal property, and provides liability coverage.
Dwelling Fire Insurance Policy
Covers fire and other specified perils that damage your home and other structures on your property.
Condo Insurance Policy
Covers damage to your condominium unit, personal property, and provides liability coverage.
Mobile Homeowners Insurance Policy
Covers damage to your mobile home, personal property, and provides liability coverage.

In addition to the standard home insurance policies, Citizen Home Insurance also offers coverage for additional perils like floods and hurricanes. You can customize your policy to add these coverages, based on your needs and budget.

Coverage Options

Citizen Home Insurance provides comprehensive coverage options, designed to protect you from a broad range of risks. The coverage options include:

Property Damage

Citizen Home Insurance covers damage to your home and personal property caused by various perils such as fire, lightning, windstorm, hail, theft, and vandalism. The coverage also includes damage to other structures on your property like garages and sheds.

Liability Coverage

Citizen Home Insurance also provides liability coverage to protect you against lawsuits brought by others due to bodily injury or property damage resulting from your negligence. Liability coverage also extends to accidents caused by your pets.

Additional Living Expenses

If your home is uninhabitable due to a covered loss, Citizen Home Insurance covers the costs of alternative accommodation, food, and other expenses incurred during the restoration period.

Citizen Home Insurance Customer Service

Citizen Home Insurance is committed to providing exceptional customer service to its policyholders. Their customer service team is available 24/7 to answer any questions or concerns, and their claim process is straightforward and hassle-free.

Policyholders can access their coverage information, policy documents, and claims information through the company’s online portal. The company also has a mobile app that allows policyholders to manage their policies on the go.

FAQs

What is Citizen Home Insurance?

Citizen Home Insurance is a leading provider of home insurance policies with a focus on providing comprehensive coverage at affordable rates. They offer various policies that cater to the specific needs of homeowners.

What does Citizen Home Insurance cover?

Citizen Home Insurance covers damage to your home and personal property caused by various perils such as fire, lightning, windstorm, hail, theft, and vandalism. The coverage also includes damage to other structures on your property like garages and sheds, and provides liability coverage to protect you against lawsuits brought by others due to bodily injury or property damage resulting from your negligence.

How do I file a claim with Citizen Home Insurance?

You can file a claim through the company’s website, mobile app, or by calling their customer service team. The company’s claims process is straightforward and hassle-free, and their customer service team is available 24/7 to answer any questions or concerns.

What are the additional coverage options available with Citizen Home Insurance?

Citizen Home Insurance offers coverage for additional perils like floods and hurricanes, which you can customize your policy to add based on your needs and budget.

Is Citizen Home Insurance affordable?

Yes, Citizen Home Insurance is known for offering affordable insurance coverage options for homeowners who have trouble finding coverage in the private insurance market. This makes it a great option for anyone looking for comprehensive coverage at affordable rates.

Conclusion

Citizen Home Insurance is a leading provider of home insurance policies that provide comprehensive coverage at affordable rates. With a range of policies that cater to the specific needs of homeowners, including coverage for additional perils like floods and hurricanes, and exceptional customer service, Citizen Home Insurance is a great option for anyone looking for reliable home insurance coverage.