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Agent Updates Bulletin

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Premium Savings Due to AOB Reform

As a result of assignment of benefits (AOB) reform announced June 19, 2019, Citizens reviewed its 2019 rate filing to determine what effect these reforms would have on rates and to pass any savings on to our policyholders. We will mail letters to notify the following current policyholders:

  • Homeowners 3 – Special Form (CIT HO-3)
  • Dwelling Property 3 – Special Form (CIT DP-3)


The letters include information about the AOB reform and provide policy-specific premium savings based on pre- and post-AOB reform legislation. Citizens will mail the letters on a staggered basis each month throughout 2020 based on the following renewal dates:

  • December 1, 2019, through January 31, 2020, will be mailed the first two weeks in February
  • February through November will be mailed during the renewal month


  • Only policyholders recognizing a savings of $1 or more will receive the letter.
  • Policyholders who do not receive a premium decrease would have paid more for their Citizens insurance this policy term had the Legislature not acted to reform the law regarding AOB.
  • Additional savings are expected to be achieved in future years.
  • The premium savings amount does not include surcharges or reflect any policy changes.
  • The letters will be uploaded in PolicyCenter® within two weeks after each mailing.
  • A Spanish version of the letter will print on the letter’s back side.
  • The letters will include the Assignment of Benefits: What You Need to Know brochure.


  • Assignment of Benefits page on the Public website
  • Claim Process When an Assignment of Benefits (AOB) is Used graphic
  • Assignment of Benefits: What You Need to Know updated brochure
  • Personal Lines Bulletin: Rate and Form Changes dated September 30, 2019
  • Agents and the public can Search Frequently Asked Questions for more information. Agents should log in to access agent-level information. Enter AOB in the Search field.

Appointed agents can submit questions to Citizens by replying to this email, or logging in to the Agents website and choosing the Contact Us link on the top of the page. Citizens will respond within three business days. Agents also can contact the Customer Care Center at 888.685.1555.

Legal Disclaimer

Citizens provides agent communications online for historical purposes only, and the communications have not been updated to include any changes that may have been made after publication. Agents can find the latest information by reviewing the applicable underwriting manuals, and by logging in and accessing our FAQs, which are available from the top of any page on our website.