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Construction Costs Rise for New Business

As announced in Personal Lines Bulletin: Inflation Factor Adjustments, inflation is higher than previous years due to increasing construction costs. Citizens’ cost estimator, Residential Component Technology (RCT) Express, makes updates based on underlying construction costs each quarter. The first quarter cost update will occur on January 1, 2022.

Any cost estimate in PolicyCenter that is created or updated after January 1 will reflect the updates.

Note: This includes cost estimates due to policy changes.

It is important to insure properties for the full replacement cost. This can prevent dwellings from being underinsured in the event of a loss.


Log in to the Agents site to access the following resources:

  • Rule 208: Coverage Limits – Minimum/Maximum in the Underwriting Guidelines. Select Personal > PR-M or PR-W, and then select the policy type on the left menu.
  • Coverage Reference Sheet: Select Training > Personal Job Aids, and look under Resources on the right.
  • Personal Lines Bulletin: Update to Maximum Coverage Limits
  • Select FAQs on the top menu and enter inflation in the Search field.

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.