In addition to full payment, quarterly and semiannual payment plan options are available. If you are eligible for and elect a payment plan, your invoice will reflect the exact amount due for installment payments on your policy.
Policies automatically renew with the payment plan of the previous policy term. Your payment plan will automatically adjust upon renewal based on the payment amount received when payment is made via electronic bill pay through your financial institution or sent via mail only.
If payment is submitted via phone, myPolicy or the one-time payment tool on our website, please contact your agent to change your payment plan.
Installment amounts are calculated based on your total policy premium. One time fees, such as inspection fees, installment fees and EMPA fees, are not included in your installment calculation. With the exception of installment fees, which are due with each installment, any one-time fees are due by the policy issuance or effective date, whichever is sooner, and will be added to your first installment payment.
Semiannual Payment Plan
First installment
60 percent of the total policy premium
One-time $10 fee
$3 installment fee
Any applicable inspection or other one-time fees
Due by the effective date of the policy or the date of issuance, whichever is sooner
Second installment
40 percent of the total policy premium
$3 installment fee
Due six months after the policy effective date
Quarterly Payment Plan
First Installment
40 percent of total policy premium
One-time $10 fee
$3 installment fee
Any applicable inspection or other one-time fees
Due by policy effective date or date of issuance, whichever is sooner
Second Installment
20 percent of total policy premium
$3 installment fee
Due three months after policy effective date
Third Installment
20 percent of total policy premium
$3 installment fee
Due six months after policy effective date
Fourth Installment
20 percent of total policy premium
$3 installment fee
Due nine months after policy effective date
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Availability and Fees
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Personal Residential policyholders who pay their premiums directly to Citizens can either pay their premiums in full as a one-time payment or may take advantage of Citizens’ payment plan options. Mortgage companies, lienholders and premium finance companies are not eligible for payment plans.
Policies automatically renew with the payment plan of the previous policy term. Your payment plan will automatically adjust upon renewal based on the payment amount received when payment is made via electronic bill pay through your financial institution or sent via mail only.
If payment is submitted via phone, myPolicy or the one-time payment tool on our website, please contact your agent to change your payment plan.
Fees
There is no fee for premium payments made in full and on time.
Personal Residential policies paid via payment plans are charged the following additional fees:
