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 property market and is strictly an insurer of last resort. All business must be placed and serviced by Citizens‑appointed agents using the secure Agents site and PolicyCenter; public materials are limited, and detailed rules are contained in product‑specific underwriting manuals and job aids available only after login. Preferred / target business (high level) - Personal and commercial property risks located in Florida that cannot secure comparable coverage in the admitted (non‑surplus) private market at or below the statutory Citizens eligibility thresholds. - Dwellings and commercial residential properties that meet Citizens’ eligibility matrices and property condition requirements (e.g., acceptable roof age/condition, no disqualifying hazards) as outlined in the Home Condition Requirements Guide, Mobile Home Condition Requirements, and Eligibility Matrix accessible via Personal > PR‑M (multiperil) or PR‑W (wind) for the applicable policy form. - Agents are expected to use Citizens product guides (Home/Dwelling Owners multiperil and wind, Renters, Mobile Home, Condominium, etc.) to pre‑qualify risks, determine the correct form (HO/DP/mobile home/wind‑only) and identify additional documentation required by age, occupancy and construction characteristics. ([citizenstraining.citizensfla.com](https://citizenstraining.citizensfla.com/courses/core/CIS_Resources/Job_Aids/PolicyCenter/PersonalLines/Agent_Performance_Standards_Program_Overview.pdf?utm_source=openai)) Restricted / declined risks (conceptual framework from Citizens guidance) - Risks that are “uninsurable” under Citizens’ underwriting manuals, including properties that fail eligibility matrices, do not meet minimum condition standards identified in the Home or Mobile Home Condition Requirements, or that otherwise conflict with Citizens’ plan of operation or Agent Guidelines. - Any risk that is eligible for coverage with a private admitted carrier at or below the statutory premium/coverage comparison threshold (Citizens is a market of last resort; agents must comply with Florida law and Citizens’ plan of operation regarding use only when private coverage is not reasonably available). - Submissions with incomplete, inaccurate, or unsupported data, or missing mandatory documents/signatures, are treated as performance violations and can trigger conditional binding, cancellation, or disciplinary action under the Agent Performance Standards Program. ([citizenstraining.citizensfla.com](https://citizenstraining.citizensfla.com/courses/core/CIS_Resources/Job_Aids/PolicyCenter/PersonalLines/Agent_Performance_Standards_Program_Overview.pdf?utm_source=openai)) Geographic / structural notes - All covered risks must be located in Florida; Citizens is a Florida residual property program created by statute and governed by a plan of operation specific to Florida residential and certain commercial residential property exposures. - Eligibility, form selection, and whether a risk is written as multiperil or wind‑only are strongly influenced by county/coastal location, distance to coast, construction type, and roof condition per the Eligibility Matrix and product/condition guides referenced on the Agents site. ([floir.com](https://floir.com/docs-sf/property-casualty-libraries/market-regulation/2010/citizens-property-insurance-corporation-10-08-2010.pdf?sfvrsn=4bd9c2b2_2&utm_source=openai)) Submission and documentation expectations - Agents must follow Citizens’ Agent Guidelines, Underwriting Manuals, and Required Document Guides for each policy type. For personal lines, Citizens maintains Required Document Guides for all major forms (HO‑3, HO‑4, HO‑6, HO‑8, DP‑1/DP‑3, mobile home, dwelling wind‑only, etc.), as well as product guides, eligibility matrices, and property condition guides. These are accessed after logging into the Agents website (Personal > PR‑M or PR‑W, then select the policy form to view underwriting guidelines). ([citizenstraining.citizensfla.com](https://citizenstraining.citizensfla.com/courses/core/CIS_Resources/Job_Aids/PolicyCenter/PersonalLines/Agent_Performance_Standards_Program_Overview.pdf?utm_source=openai)) - The Agent Appointment Agreement and related professional liability advisory emphasize that: - Agents must submit complete and accurate applications as a condition of binding authority. - Citizens may treat incomplete or inaccurate submissions as only conditionally bound and can require additional underwriting‑related information and signed documents/attestations from both applicant and agent. - All applications must be fully signed by the applicant(s) (or authorized POA) and by the appointed agent; agents must deliver a complete signed copy of the application to the applicant at the time of application. - Citizens may require additional underwriting documents beyond the application (e.g., inspection reports, mitigation documentation, proof of updates, 4‑point/wind mitigation inspections, etc.). ([citizensfla.com](https://www.citizensfla.com/documents/20702/123855/Agent%2BAppointment%2BAgreement/5bc704db-2ca8-49c2-ac00-a68a30cb5cf3?utm_source=openai)) - Citizens has an Expedited Submission/Bulk Intake process for certain personal‑lines new business events, but even under expedited workflows, all risks remain subject to standard eligibility and underwriting requirements and must meet announced submission deadlines for particular assumptions or conversion programs. ([training.citizensfla.com](https://training.citizensfla.com/lms/courses/core/CIS_Resources/Job_Aids/PolicyCenter/PersonalLines/Bulk_Intake_Expedited_Submission_Guide.pdf?utm_source=openai)) Agent / producer operational guidance - Agents must be appointed with Citizens, maintain appropriate Florida P&C licenses, and complete required Citizens training and testing before appointment. Citizens relies on independent agents as its distribution force and enforces training, communication, and compliance programs rather than actively marketing for business. ([floir.com](https://floir.com/docs-sf/property-casualty-libraries/market-regulation/2010/citizens-property-insurance-corporation-10-08-2010.pdf?sfvrsn=4bd9c2b2_2&utm_source=openai)) - The Agent Performance Standards Program sets submission quality and timeliness expectations; performance violations include submitting uninsurable risks (contrary to underwriting manuals), late submissions, and missing or improperly executed documents. Progressive disciplinary measures can be applied based on frequency and severity of violations; agents are directed to PolicyCenter job aids and the Agent Performance Standards Program Guide for details. ([citizenstraining.citizensfla.com](https://citizenstraining.citizensfla.com/courses/core/CIS_Resources/Job_Aids/PolicyCenter/PersonalLines/Agent_Performance_Standards_Program_Overview.pdf?utm_source=openai)) - For day‑to‑day questions, agents are encouraged to use the logged‑in Agents website resources first (FAQs, underwriting manuals, job aids) and then contact Citizens via the Agents site Contact Us link or Customer Care Center if clarification is still needed. Communications are primarily by email, and appointed agents must remain on email distribution lists as a condition of appointment. ([citizensfla.com](https://www.citizensfla.com/documents/20702/10956569/CPI%2BCommunications%2BTimeline%2Band%2BSamples.pdf/bcb17ad1-d05d-0837-af27-27fefdc72507?d=&t=1598902538866&version=1.0&utm_source=openai)) Practical takeaway for underwriting & submissions - Treat Citizens strictly as a residual market solution after documenting lack of suitable private options. - Use the product guides, eligibility matrix, and condition requirements (by form) before quoting to avoid uninsurable or non‑compliant submissions. - Ensure complete, accurate, fully signed applications with all required supporting documents at bind; anticipate additional underwriting document requests and inspections. - Monitor Citizens bulletins, performance standards updates, and training materials via the Agent Resources portal, as Citizens regularly updates manuals, required documents, and performance thresholds, and uses these to enforce agent discipline for poor‑quality submissions.