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Citizens Highlights

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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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Meeting Information

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Acerca de Citizens

En el 2002, la Legislatura de la Florida creo a Citizens Property Insurance Corporation (Citizens), un asegurador alternativo sin fines de lucro, cuyo propósito público es proveer seguro, y atender a las necesidades de propietarios de viviendas que no pueden encontrar cobertura en el mercado privado de seguro.



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

Declaración de los Derechos del Asegurado

Citizens tiene un compromiso a proveer el mejor posible servicio al cliente a sus asegurados. Como parte de ese compromiso, Citizens se adhiere a lo siguiente:

Declaración de los Derechos del Asegurado

  • Creado por Citizens como parte de su Plan de Operación
  • Aplica a todos los asegurados de Citizens

Dueño de una Casa reivindicaciones Declaración de Derechos

  • Creado por la Legislatura de la Florida
  • Se aplica a cualquier reclamo de seguro de propiedad residencial personal presentada a las compañías de seguro de propiedad y accidentes que operan en la Florida