Explaining Citizens Property Insurance for Homeowners

This policy is available for detached, single-family homes and duplexes in which at least one unit is owner-occupied. The owner must live in the home as their primary residence. It covers the building, other structures on the property, and the owner’s personal property, and also provides additional living expense and personal liability coverage.

A highly restricted homeowners policy form, the HO-8 policy covers 11 named perils, with several major exclusions. The most notable exclusion is water damage, which accounts for roughly half of all our homeowner claims. The HO-8 policy uses an alternate calculation to determine replacement cost or actual cash value, which can result in significantly lower claims payouts. HO-8 policies also may not meet the minimum insurance requirements of many mortgage holders; before purchasing, confirm with your mortgage holder that the HO-8 policy meets your insurance requirements.

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.

While similar to the DP-3 policy, the DP-1 policy provides more limited coverage for only certain named perils.

Covers mobile and manufactured homes. The owner must live in the home as their primary residence. The policy includes coverage for the mobile home, other structures on the property, and the owner’s personal property, and provides additional living expense and personal liability coverage.

Available for tenant-occupied properties and properties that otherwise may not qualify for an MHO-3 or MW-2 policy, this policy 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.

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.

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.