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Citizens was created by the Florida Legislature in August 2002 as a not-for-profit, tax-exempt, government entity to provide property insurance to eligible Florida property owners unable to find insurance coverage in the private market.

Citizens operates according to statutory requirements established by the Florida Legislature and is governed by a Board of Governors, who each have seats on committees. The board administers a Plan of Operation approved by the Florida Financial Services Commission, an oversight panel made up of the Governor, Chief Financial Officer, Attorney General and Commissioner of Agriculture.

To provide organizational independence, Citizens has an Inspector General, who is appointed by the Financial Service Commission and may only be removed from office by the Commission. The Inspector General reports to and is under supervision of the chair of the Board of Governors.

Read more about what Citizens has accomplished in the Legislative/Cabinet, through Legislation and in our Citizens Advisor newsletter.

Policies, Statutes and Procedures

Operations and Statutes

Citizens Plan of Operation
Citizens Statute
Clearinghouse Statute
Code of Ethics
Consumer Choice Statute
Depopulation Statute
Florida Market Assistance Plan Statute
Lobbyist Registration Policy

Board of Governors

Procurement Protest Procedure
Meetings, Hearings and Workshop Procedure
Board Appearance Speaker Request Form

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About Citizens

In 2002, the Florida Legislature created Citizens Property Insurance Corporation (Citizens), a not-for-profit alternative insurer, whose public purpose is to provide insurance to, and serve the needs of, property owners who cannot find coverage in the private insurance market.



Any lobbyist who represents a principal seeking to influence Citizens' policy and procurement decisions after September 1, 2018, is required to register with Citizens. Registered lobbyists and their principals will be entered in a publically searchable database on Citizens’ website.

Policyholder Rights

Policyholder Declaration of Rights

Citizens is committed to providing the best possible customer service to its policyholders. As part of that commitment, Citizens adheres to the following:

Policyholder Declaration of Rights

  • Created by Citizens as part of its Plan of Operation
  • Applies to all Citizens policyholders

Homeowner Claims Bill of Rights

  • Created by the Florida Legislature
  • Applies to any personal residential property insurance claim filed with property and casualty insurance companies operating in Florida