Personal Payment Plans

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. 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

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. 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:

  • One-time $10 fee
  • $3 fee per installment