There have been some significant policy changes to your Citizens homeowners/dwelling fire policy.  We have noted some of them below but please review your policy documents you receive from Citizens for a full list of changes.

1. Citizens is no longer providing coverage for:

  • Aluminum carports
  • Screen enclosures
  • Patios and awnings
  • Tiki huts
  • Gazebos
  • Cabanas
  • Pergolas
  • Or similar structures

**If you currently have any of these structures and you renew(ed) with Citizens, this coverage will be/was  automatically terminated.  No buyback is available.

2. Citizens is lowering the maximum limit available for:

  • Personal Liability Coverage – reduced from $300,000 to $100,000.
  • Mold Coverage – reduced from $25,000 to $10,000.

3. Citizens is reducing Other Structures and Personal Property coverage:

  • Coverage B – Other Structures – is decreasing from 10% to 2% of Coverage A

For example, if you have your home insured for $200,000 (Coverage A) your coverage for other structures would decrease from $20,000 to $4,000.  Please contact us to buy back this coverage.

  • Coverage C – Personal Property – is decreasing from 50% to 25% of Coverage A

For example, if you have your home insured for $200,000 (Coverage A) your coverage for your personal property would decrease from $100,000 to $50,000.  Please contact us to buy back this coverage.

 4. If you currently have Sinkhole Loss Coverage, a mandatory 10% Sinkhole Loss deductible will be applied if you renew your policy.  No buy back is available.

**This is a just a partial list, all these coverage changes are significant.  We recommend you have your insurance with a non-Citizens carrier because of these coverage reductions/limitations.**

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