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Citizens Property & Casualty Insurance Company

Citizens Insurance

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Local: 954.703.5146 • Toll Free: 800.218.0250


Company Overview

Citizens Property Insurance Corporation is a Florida-based company created in 2002 by the Florida Legislature as a nonprofit, government entity, and tax-exempt insurer.

It is offered as a public alternative to the private market, enabling property owners to purchase coverage irregardless of their financial standing, credit history, claims history, and any additional setbacks that prevent them from obtaining standard coverage at a fair price.

Is it not sad that there are homeowners entitled to coverage, yet they are unable to find property insurance in the private market? Enter Citizens to the rescue. With options for Florida business owners, homeowners, and condo owners, Citizens understands the vast and complex market in our home state.

In order to maintain a strong and accurate picture of the Florida home and business insurance landscape, Citizens has office locations in Tallahassee, Jacksonville, and Tampa. Funded by its customers’ premium payments, Citizens is also required by Florida law to levy assessments on most Florida property and casualty insurance policyholders until any deficit is eliminated. Because it is so heavily regulated, customers ultimately benefit from the company’s exceptional customer care and financial management.

Working to meet statutory criteria established by the State of Florida and a Plan of Operation set forth by Florida Financial Services Commission, Citizens runs by the books. Overviewed by a Board of Governors, the corporation is managed by individuals appointed by Florida’s Governor, the President of the Florida Senate, Chief Financial Officer, and Speaker of the House.

Each office location serves a different purpose for the corporation. Jacksonville handles policy services, underwriting, customer service, and claims processing. The Citizens corporate headquarters is in their Tallahassee office. The Tampa office is a meeting place for local and remote employees.

Configured very cautiously, like a government entity, with great attention to detail, you can trust Citizens as your carrier to pay claims, offer great service, and to resolve any matters that impact your home, business or property.

Citizens Insurance Products

Citizens Insurance products are offered to property owners who meet one of the below requirements:

  • Insurance is unavailable from a Florida-authorized insurance company
  • The cost of coverage from another Florida insurer is more than 15 percent above the premium rate for the same type of plan from Citizens.

Only Citizens Insurance Agents can help you apply for their coverage. Good thing you found – we can assist with your alternative insurance needs, making sure to clearly explain the way this program works and how to utilize your insurance plan.

It is a specialized program for those who have not been able to obtain coverage on the private market. Before you apply for Citizens, you may want to try a few other options offered through the State of Florida.

The Florida insurance market has actually improved over recent years. Two programs of note include:

  • Florida Market Assistance Plan (FMAP), a free referral service for personal residential insurance, available through approved private insurers.
  • CHOICES from the Florida Office of Insurance Regulation, which provides comparative pricing details for home insurance products in every county.

Important Citizens Customer Information

Contact Citizens Customer Service

Customer Service Phone: 866.411.2742

Hours of Operation: 8:00 AM – 5:30 PM EST

Physical Addresses:

Citizens Centre

2101 Maryland Circle
Tallahassee, FL 32303

North Park Professional Center

6800 North Dale Mabry Highway, Suite 222
Tampa, FL 33614

TIAA Bank Center

301 West Bay Street
Mail: Suite 1300; Visitors: Suite 300
Jacksonville, FL 32202

Pay Your Citizens Insurance Bill

Pay Your Bill By Phone: 866.411.2742

Pay Your Citizens Bill Online

Register Your Citizens Policy Online

Mailing Address:

Citizens Property Insurance Corporation
P.O. Box 17850
Jacksonville, FL 32245-7850

Overnight Payments Mailing Address:

Citizens Property Insurance Corporation
Payment Processing Department
301 West Bay Street, Suite 1300
Jacksonville, FL 32202

Report a Claim

Claims Department Phone: 866.411.2742

Hours of Operation: 8:00 AM – 5:30 PM EST

Report a Claim Online

Claim Correspondence

Citizens Property Insurance Corporation
P.O. Box 19700
Jacksonville, FL 32245-9700

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