When it comes to home insurance, every homeowner wants a policy that offers protection and peace of mind. Home insurance policies come in different forms and can cover different types of damage to your home. One company that has been providing homeowners with quality insurance coverage for years is Citizen Insurance FL. In this article, we’ll explore what Citizen Insurance FL has to offer, what sets them apart from other insurance companies, and answer some frequently asked questions about their services.
About Citizen Insurance FL
Citizen Insurance FL was established in 2002 and is a subsidiary of the state-run insurer, Citizens Property Insurance Corporation. It is a non-profit insurance company that provides property insurance to homeowners in Florida. It offers a variety of policies and coverage options to its clients, including Hurricanes, Floods, and Sinkholes coverage. In addition to property insurance, Citizen Insurance FL offers automobile insurance to its clients.
Citizen Insurance FL is committed to providing its clients with affordable and reliable insurance coverage. Its policies cover everything from your home’s structure to personal property, liability, and living expenses in the event of a covered loss. The company has a strong financial rating and is backed by the State of Florida, which makes it a trustworthy choice for homeowners.
Citizen Insurance FL Coverage Options
Citizen Insurance FL offers a range of coverage options to suit the needs of homeowners. These include:
Coverage Type |
Description |
Dwelling Coverage |
Protects your home’s structure, including walls, roof, and foundation. It also covers structures that are attached to your home like a garage. |
Personal Property Coverage |
Covers your personal belongings, such as furniture, appliances, and electronics, in the event of damage or theft. |
Liability Coverage |
Covers you if someone is injured on your property and you are found responsible. |
Loss of Use Coverage |
Covers your living expenses if your home is damaged and you are unable to live in it. |
Additional Living Expenses Coverage |
Covers additional expenses you may incur due to living away from home, such as hotel costs or restaurant meals. |
What Sets Citizen Insurance FL Apart?
Citizen Insurance FL is a unique insurance company because it is a non-profit organization. This means that all profits are reinvested back into the company to better serve its clients. The company also has a team of qualified agents who are trained to help clients understand their coverage options and choose the policy that is best for them. Citizen Insurance FL is also known for its excellent customer service, which is available 24/7 to answer any questions or concerns that clients may have about their policies.
Citizen Insurance FL Frequently Asked Questions
What does Citizen Insurance FL cover?
Citizen Insurance FL covers damage caused by wind, hail, lightning, fire, and theft. It also covers personal liability and living expenses if you are unable to live in your home due to damage.
How much does Citizen Insurance FL cost?
The cost of a Citizen Insurance FL policy depends on several factors, including the age and condition of your home, your location, and the amount of coverage you need. To get an accurate quote, it is best to contact a Citizen Insurance FL agent.
How do I file a claim with Citizen Insurance FL?
If you need to file a claim, you can call Citizen Insurance FL’s claims center at 1-866-411-2742, or you can file a claim online through their website. When you file a claim, a claims adjuster will be assigned to your case to assess the damage and provide you with more information about the claims process.
What discounts does Citizen Insurance FL offer?
Citizen Insurance FL offers a variety of discounts to its clients, including discounts for having a home security system, hurricane shutters, or a new roof. The company also offers discounts to clients who bundle their home and auto insurance policies.
What is Citizens Property Insurance Corporation?
Citizens Property Insurance Corporation is a state-run insurer that provides property insurance to homeowners in Florida who are unable to find coverage from private insurance companies. Citizen Insurance FL is a subsidiary of this corporation.
Conclusion
Citizen Insurance FL is committed to providing homeowners with affordable and reliable insurance coverage. Its policies cover everything from your home’s structure to personal property, liability, and living expenses in the event of a covered loss. The company’s unique non-profit status and excellent customer service make it a standout choice for homeowners looking for quality insurance coverage in Florida.
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