Citizens Insurance Review & Complaints: Property Insurance (2024)

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Not sure if Citizens is right for you? Our Citizens insurance review goes over everything you need to know about the company. Citizens is a last-resort option for those who cannot obtain property insurance coverage due to their risk level of major storms, and it is meant to reduce uninsured homeowners in Florida and Louisiana.

However, this doesn’t necessarily mean that Citizens has the best Louisiana home insurance or the best Florida home insurance. The company has low ratings for premiums and claims. Continue reading to learn all about the pros and cons of Citizens property insurance in our review of Citizens Insurance. If you want to start looking for home insurance coverage today, use our free quote comparison tool to find the best coverage and rates.

Citizens Property Insurance Corporation Products

Citizens Insurance only offers property coverage options. Policies are available for wind-only damage as well as multi-peril coverage. A windstorm coverage policy could be used in conjunction with another insurance company to fill the gaps.  Learn how to prepare for a tornado to help minimize wind damage. Additionally, Citizens offers policies for personal and commercial properties, including non-residential structures like office buildings.

Far and away the most common policy sold by the company is the personal residential multi-peril policy, which offers basic homeowners coverage to individuals. This accounts for about half of all policies sold through the program.

Policy types are further subdivided by the property being insured. Homeowners, condo owners, and mobile homeowners all have their own policies to match their unique needs. These policies will all cover the building itself as well as its contents and surrounding related structures.

You can also get contents-only policies for your personal belongings if you rent rather than own your home.

Citizens Insurance Rates

Citizens Insurance does not offer online quoting. To get a quote or purchase insurance, you’ll want to call the Customer Care Center at 888-685-1555 between 8 am and 5:30 pm EST.

Citizens Consumer Research and Complaints

Although Citizens Property Insurance is not accredited with the Better Business Bureau, the site gives them an A rating. There have been only two complaints listed in the last three years, one of which has been closed in the past 12 months.

Consumer Affairs lists 42 one-star ratings, of the 59 ratings that were left on the site. Complaints vary, but the common thread running through most is limited coverage and claims either being denied due to that coverage limitation, or the pay-out being lower than needed due to the way the property is valued. Complaints about prices are a common thread as well. Read more reviews on insurance companies in our insurance reviews directory.

Citizens Financial Strength

Take a look at Citizens Insurance’s financial ratings below.

Citizens Insurance has stable financial ratings, which means the company should be able to pay out claims without risking going under.

The Final Word on Citizens Insurance

In general, our Citizens Insurance review found that Citizens should be looked at as a last resort rather than a first choice. Like the “public defender” of insurance, Citizens will do a serviceable job but will be neither as affordable nor as high-quality as many other options. If your options are limited, however, it’s better to be insured with Citizens than to be without insurance completely.

If you want to shop around to see if you can find a different home insurance company before committing to Citizens, use our free quote comparison tool.