When shopping for insurance, being prepared can save you time and money. Before visiting your Citizens-appointed agent, it will be helpful to gather as much of the following basic information that applies to your home and property as you can:
What You'll Need
Basic Features
Construction type
Construction year
Town house - number of units
Number of rooms
Room types
Total living area (square feet)
Fire Protection Distance
Nearest hydrant
Responding fire department
Major System Updates
Electrical
Heating/cooling (HVAC)
Plumbing
Photographs
Front/Back of house
Outbuildings
Roof information
Condition
Covering material
Date of last update
Roof shape
Specialty Features
Alarm/fire system
Home business information
Nearby water - name/distance
Pool/spa
Wind-Damage Mitigation
Known features
Documentation
If you don’t have all of the information above, don’t worry. Your agent can gather certain information and direct you to where other information may be found. Your agent also will be able to help you determine which inspections, if any, will be necessary for the coverage you are seeking.
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Clearinghouse
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Citizens’ Property Insurance Clearinghouse is an innovative program that identifies private-market property insurance options for homeowners who believe Citizens may be their only choice for property insurance.
When you apply for Citizens coverage, your Citizens-appointed agent will enter information from you application into the clearinghouse. Participating private-market companies will review your information to determine whether they would like to offer coverage for your home.
If one or more private-market companies offer to insure your home, your agent will provide you with a quote sheet that includes a side-by-side list of all offers received. The quote sheet will indicate which offers are comparable to Citizens and whether any of those offers make you ineligible for coverage with Citizens.
Your agent will review your coverage options with you to help you determine the most appropriate coverage for your home.
