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, intended as a market of last resort for residential personal and commercial property risks that cannot secure coverage from an authorized private insurer at a comparable premium. PREFERRED / TARGET BUSINESS - Personal residential (HO-3, HO-4, HO-6, HO-8, DP forms) and commercial residential / commercial property that cannot obtain a comparable offer from the admitted market, or where any available authorized-insurer quote is at least 20% higher than the Citizens premium (the statutory “20% rule” for new business eligibility). ([citizensfla.com](https://www.citizensfla.com/-/20210614-rule-for-new-business-eligibility-increases-to-20-?utm_source=openai)) - Properties meeting minimum condition standards: sound structure, no unresolved life-safety issues, no substantial structural deficiencies, and generally acceptable housekeeping and maintenance per Citizens underwriting manuals. ([citizensfla.com](https://www.citizensfla.com/-/20211015-new-eligibility-rules?utm_source=openai)) - Personal residential risks routed through the Property Insurance Clearinghouse/EZLynx comparative rater to document that no eligible private-market quote within 20% is available (mandatory for key homeowners and dwelling forms). ([citizensfla.com](https://www.citizensfla.com/-/20240924-required-docs-updates-for-new-business-risks-submitted-via-clearinghouse-powered-by-ezlynx?utm_source=openai)) RESTRICTED / DECLINED CLASSES (TYPICAL THEMES) - Uninsurable properties per Citizens manuals, including (illustrative list from current guides): • Commercial properties submitted under personal wind-only programs. ([randrflorida.com](https://randrflorida.com/wp-content/uploads/2015/08/Citizens-SPL-HomeownersManual.pdf?utm_source=openai)) • Properties below or above program-specific minimum/maximum Coverage A or C limits. • Dwellings where replacement cost materially exceeds market value (e.g., >1.5x), subject to form-specific thresholds. ([randrflorida.com](https://randrflorida.com/wp-content/uploads/2015/08/Citizens-SPL-HomeownersManual.pdf?utm_source=openai)) • Condemned properties, buildings deemed unsafe for occupancy by authorities, or those with substantial structural deficiencies under updated eligibility rules. ([citizensfla.com](https://www.citizensfla.com/-/20211015-new-eligibility-rules?utm_source=openai)) • Properties in disrepair, with existing unrepaired damage, or with poor overall condition (excessive debris, substandard housekeeping, clear unrepaired loss damage) where acceptable repair documentation has not been provided. • Certain farm, ranch, orchard, or grove risks where farming/ranching operations are more than incidental to residential use. ([randrflorida.com](https://randrflorida.com/wp-content/uploads/2015/08/Citizens-SPL-HomeownersManual.pdf?utm_source=openai)) - Risks failing Citizens’ loss history or frequency thresholds, or where required flood insurance or other statutory eligibility conditions are not met (flagged as performance violations if still submitted). ([fl.naifa.org](https://fl.naifa.org/blog/citizens-important-recent-bulletins?utm_source=openai)) - Any risk that does not meet statutory Citizens eligibility (e.g., an admissible insurer can write the risk at less than 20% above Citizens), or that fails Clearinghouse eligibility determinations. ([citizensfla.com](https://www.citizensfla.com/-/20210614-rule-for-new-business-eligibility-increases-to-20-?utm_source=openai)) GEOGRAPHIC / STRUCTURAL NOTES - Citizens only writes risks in Florida, subject to program-specific territorial eligibility and coastal/wind-only program rules (e.g., separate wind-only homeowners and commercial-residential programs available in certain coastal territories). ([randrflorida.com](https://randrflorida.com/wp-content/uploads/2015/08/Citizens-SPL-HomeownersManual.pdf?utm_source=openai)) - Properties are ineligible when local or state authorities have issued reports or orders identifying the structure as unsafe for occupancy, or when inspection reports indicate substantial structural deficiencies (e.g., certain condominium/structural inspection findings). Citizens may require engineering/inspection reports to verify eligibility for new commercial and personal residential business. ([citizensfla.com](https://www.citizensfla.com/-/20211015-new-eligibility-rules?utm_source=openai)) - Roof condition and age are actively underwritten; separate bulletins update roof eligibility and documentation requirements, and underwriters may order additional inspections or remove mitigation credits if documentation does not support them. ([citizensfla.com](https://www.citizensfla.com/-/20230111-required-document-updates-for-new-business-and-roof-requirements?utm_source=openai)) SUBMISSION REQUIREMENTS & PROCESS - Statutory eligibility / 20% rule: • Personal Lines: For new personal residential business, an authorized insurer offer must be more than 20% greater than the Citizens premium or no offer must be available. Agents must upload documentation (e.g., detailed comparative quote results) as proof. ([citizensfla.com](https://www.citizensfla.com/-/20210614-rule-for-new-business-eligibility-increases-to-20-?utm_source=openai)) • Commercial Lines (including commercial residential): Similar 20% threshold applies; agents must document either no-offer-of-coverage or that the authorized-insurer premium is at least 20% higher than Citizens. ([citizensfla.com](https://www.citizensfla.com/-/20221228-new-business-eligibility-rule-increases-to-20-?utm_source=openai)) - Clearinghouse / EZLynx process (Personal Lines): • Effective October 1, 2024, certain homeowners and dwelling forms (CIT HO-3, HO-6, DP-1-D, DP-3-D) must run through EZLynx as the Property Insurance Clearinghouse engine. • Agents must upload the full Detailed Results document from EZLynx (not a screenshot) with the new-business application as proof of eligibility and absence of competitively priced private options. ([citizensfla.com](https://www.citizensfla.com/-/20240924-required-docs-updates-for-new-business-risks-submitted-via-clearinghouse-powered-by-ezlynx?utm_source=openai)) - Required documentation: • New Business Eligibility Guide and policy-type Required Document Guides (accessible via the Agents site) enumerate mandatory items such as photos, prior insurance, proof of roof replacement, four‑point or structural inspections, wind mitigation reports, appraisals, and flood insurance evidence where required. • Required Documents sections within PolicyCenter must be completed, and all listed items uploaded, before submission will be considered complete for underwriting. ([citizensfla.com](https://www.citizensfla.com/-/20240924-required-docs-updates-for-new-business-risks-submitted-via-clearinghouse-powered-by-ezlynx?utm_source=openai)) - Inspection and condition review: • Commercial: Applications are screened for property condition (housekeeping, exterior maintenance, adjacent hazards). Where “existing damage” is indicated, underwriters require engineering/contractor reports and may still order field inspections by Citizens field underwriters prior to final acceptance. ([citizensfla.com](https://www.citizensfla.com/documents/20702/18527566/20210713%2B03C%2BA%26U%2BCommercial%2BUnderwriting%2BProcess.pdf/eb78079f-6baf-9827-2fc6-0beeceb3e16f?t=1625749628796&utm_source=openai)) • Personal: Similar inspection triggers apply for roofs, structural issues, and high-risk conditions; inspection requirements are set in the underwriting manuals and Required Document Guides. BROKER / PRODUCER NOTES - Citizens business is written only through appointed or credentialed agents. All underwriting guidelines, manuals, and New-Business Submission Guides are available on the secure Agents website under Personal or Commercial > Manuals and Training. ([citizensfla.com](https://www.citizensfla.com/-/20211015-new-eligibility-rules?utm_source=openai)) - Agents are responsible for using the Clearinghouse/EZLynx tools where required, screening for statutory eligibility, and avoiding submission of uninsurable or clearly ineligible risks. Submitting ineligible or uninsurable risks, or failing to provide required eligibility/flood/roof documentation, can trigger performance violations under the Agent Performance Standards Program, with progressive disciplinary action based on the number of violations. ([fl.naifa.org](https://fl.naifa.org/blog/citizens-important-recent-bulletins?utm_source=openai)) - PolicyCenter is the system of record; agents must: • Follow New-Business Submission and Uploading & Linking Documents job aids for both personal and commercial lines. • Monitor and respond to PolicyCenter underwriting activities (e.g., Notice of Policy Change) and supply requested documents to maintain coverage and credits. ([citizenstraining.citizensfla.com](https://citizenstraining.citizensfla.com/courses/core/CIS_Resources/Job_Aids/PolicyCenter/PersonalLines/PCPL_Uploading_and_Linking_Documents_JA.pdf?utm_source=openai))