In accordance with Citizens’ eligibility guidelines, submissions listing roomers or boarders beyond the allowable limits are ineligible for coverage, per Rule 202 of the applicable Underwriting Guidelines manual:

• Dwelling Property 1 – Basic Form (CIT DP-1) and Dwelling Property 3 – Special Form (CIT DP-3): To the owner of a dwelling that is used exclusively for private residential purposes and contains no more than four apartments and no more than five roomers or boarders.
• Citizens Homeowners 3 – Special Form (CIT HO-3) and Homeowners 2 – Wind-Only Form (HW-2): To the owner‐occupant of a dwelling which is used exclusively for private residential purposes and contains no more than two families and with not more than two boarders or roomers per family.

                                      Figure 1: Dwelling screen: Number of Roomers/Boarders

For a policy to be issued in compliance with established guidelines, agents should:

• Verify that all lease agreements are accurate, current, and fully completed.
• Confirm that the number of roomers or boarders listed does not exceed the maximum allowable occupancy for the associated policy application type.
• Ensure that all eligibility conditions for the dwelling are met prior to submission.

Resource

Log in to the Agents site, select Personal > PR-M or PR-W and then select the applicable Underwriting Guidelines.