What types of homeowners insurance policies does Citizens offer?

What types of

homeowners

insurance policies

does Citizens offer?

This brochure is for informational purposes only

and is not intended to interpret or alter your

Citizens policy. Your rights and responsibilities

speciﬁcally are set forth in your Citizens policy.

Citizens Property Insurance Corporation

888.685.1555

www.citizensﬂa.com

When shopping for an insurance policy,

your agent will recommend a policy type

that reﬂects the type and occupancy of

structure to be insured. Your policy type

also determines the coverages available

for your structure and/or contents. Not

all policy types include coverage for “all

perils” (e.g. ﬁre, theft, wind). Be sure to

review speciﬁc perils with your agent when

discussing your coverage options.

Your agent is your best source of

information for selecting a policy for your

home. Citizens offers several types of

coverage tailored to meet the needs of

homeowners and renters across the state

who cannot ﬁnd coverage in the private

market. Whether you live in a site-built

house, condominium or manufactured

home, Citizens can help you protect your

most personal asset – your home. Let’s

review the basics to make sure you are

fully prepared for that conversation with

your agent.

La version en Español esta disponible en

www.citizensﬂa.com/brochures.

Call Citizens First

866.411.2742

24 hours a day, seven days a week

Site-Built Homes

Homeowners

(HO-3, HW-2)

This policy type is available for detached,

single-family homes and duplexes in which

at one unit is owner-occupied. The owner

must live in the home as their primary

residence. A homeowners policy covers the

building, other structures on the property,

and the owner’s personal property, and also

provides additional living expense and

personal liability coverage.

Modiﬁed Homeowners

(HO-8)

Another type of homeowners policy – HO-8

– offers modiﬁed coverage for 11 named

perils, with several major exclusions. This

limited coverage excludes many types of

losses, including most caused by water. Full

replacement cost coverage is not available

with an HO-8 policy. Claim payments are

commonly made for actual cash value,

which can result in signiﬁcantly lower claims

payouts. HO-8 policies may not meet the

minimum insurance requirements of many

mortgage holders. Conﬁrm with your

mortgage holder that the HO-8 policy

meets your insurance requirements

before purchasing.

Dwelling Fire

(DP-3, DW-2)

This policy is available for tenant-occupied

properties and properties that otherwise

may not qualify for an HO-3 or HO-8 policy.

It provides coverage for the dwelling, other

structures on the property, personal

property, and loss of rent or additional

living expenses. Coverage for tenant or

renter’s contents and liability is available.

Dwelling Fire

(DP-1)

While similar to the DP-3 policy, the DP-1

policy provides more limited coverage for

only certain named perils.

Condos

Condominium Unit Owners

(HO-6, HW-6)

For condominium-unit owners who live in

the condominium unit, this policy provides

coverage for certain features of the unit’s

interior, your personal property, additional

living expenses and liability coverage.

Mobile and

Manufactured Homes

Mobile Homeowners

(MHO-3, MW-2)

Covers mobile and manufactured homes.

The owner must live in the home as their

primary residence. Policy coverage includes

the mobile home, other structures on the

property, and the owner’s personal

property, and provides additional living

expense and personal liability coverage.

Mobile Home Dwelling Fire

(MDP-1, MD-1)

This policy is available for tenant-

occupied properties and properties that

otherwise may not qualify for an MHO-3

or MW-2 policy. It provides coverage for

the dwelling, other structures on the

property, personal property, and loss of

rent or additional living expenses.

Coverage for tenant or renter’s contents

and liability is available.

Renters

Tenant/Renters Contents

(HO-4, HW-4)

Available to renters or tenants of a site-

built home, apartment or condominium

unit (excludes manufactured and mobile

homes), this policy covers renter or tenant

personal property, additional living

expenses and liability. It does not provide

coverage for the structure itself.

Mobile Home Tenant/Renters

Contents (MHO-4)

This coverage is available to renters or

tenants of a mobile or manufactured

home. It covers the renter or tenant’s

personal property, additional living

expenses and personal liability. It does

not provide coverage for the

structure itself.