Citizens Property Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Citizens Property Insurance Corporation is Florida’s residual market carrier; current producer guidance is centered on agent resources, policy submission guides, manuals, and statutory eligibility checks rather than a single public appetite guide. Agency appointment guidance requires a Florida resident or nonresident property license and appointment with at least three authorized insurers writing one or more of these lines: personal residential, commercial residential, or commercial nonresidential property. For personal lines, Citizens uses the Clearinghouse Powered by EZLynx for HO-3, HO-6, DP-1 Dwelling, and DP-3 Dwelling, while HO-4, HO-8, DP-3-C, DP-1-C, MHO-3, MHO-4, MDP-1, and wind-only business are quoted through PolicyCenter with the agent responsible for eligibility determination. Personal submissions require completion of statutory eligibility questions plus detailed insurability screens for hazards and additional information; roof age/condition and other home-condition rules are emphasized, and dwellings without acceptable proof of roof replacement may need to be submitted unbound for approval. If roofing data is retrieved and accepted, separate proof may not be required; if roof information is unacceptable, a Four-Point Inspection and remaining useful life details may be required. Flood requirements are a major eligibility gate on personal lines: if the property is in a FEMA flood zone or Coverage A exceeds the applicable threshold, wind coverage is ineligible unless flood insurance meeting current requirements is purchased; if FEMA data is wrong, a FEMA flood map is required as supporting documentation. Personal lines form updates published for December 1, 2025 also note underwriting attention to short-term rental eligibility, including future intent, so broker screening should address occupancy/use carefully before submission. For commercial lines, eligibility must be established before placement with Citizens. Commercial Residential Multiperil/Wind (CR-M/CR-W) can qualify under either no-offer-of-coverage or the 20% rule, but Commercial Nonresidential Multiperil/Wind (CNR-M/CNR-W) requires inability to procure any offer from an authorized insurer; the 20% rule does not apply to CNR. Commercial residential target risks listed in the submission guide include apartment and cooperative buildings, residential condominium associations, homeowners associations, continuing care retirement communities, certain mixed-use commercial residential risks when commercial occupancy does not exceed 25% of total area per building, fraternities/sororities/dormitories, and convents/monasteries. Citizens directs agents to review eligible occupancies and Rule 103/manual ineligibility criteria before submission, so risks outside listed occupancies, exceeding mixed-use limits, or otherwise failing manual rules should be treated as restricted or declined unless specifically supported by current manuals. Commercial submission requirements include shopping the private market first, answering the affirmation of coverage statement, and using the current manuals and FAQs for latest rule detail. A notable required-document item still highlighted by Citizens is a legible ISO Survey Loss Cost Quote for CNR-M and Commercial Residential Multiperil risks when the property is protected by an automatic sprinkler system and is Specific rated. Citizens also announced commercial rate/rule/manual changes effective for new business on or after January 1, 2026, with underwriting rules consolidated into revised manual guideline sections effective December 15, 2025; producers are specifically instructed not to rely solely on old bulletins and to verify current requirements in the applicable manuals and agent FAQs. Geographic notes: Citizens is a Florida-focused market, and wind-only eligibility is handled through Citizens’ dedicated Wind-Only Eligibility tool; personal and commercial property outside Citizens’ Florida statutory footprint are not in appetite. Broker/producer notes: use Citizens’ Agents/Agency resources, prequalify through the Clearinghouse or comparative rating as required, document private-market declinations or comparable quotes, expect additional documentation for roof, flood, and condition issues, and cross-check the latest manuals because Citizens states historical communications may not reflect subsequent underwriting changes.