Personal Residential policies protect you where you live. Citizens offers several types of coverage tailored to meet the needs of homeowners and renters across the state who cannot find coverage in the private market. Whether you live in a site-built house, condominium or manufactured home, Citizens can help you protect your most personal asset – your home.

If you are a renter and can’t obtain private-market coverage for your possessions, Citizens also may be able to provide you with renter’s insurance.

Site-Built Homes

Homeowners (HO-3, HW-2)

This policy is available for detached, single-family homes and duplexes in which at least one unit is owner-occupied. The owner must live in the home as their primary residence. It covers the building, other structures on the property, and the owner’s personal property, and also provides additional living expense and personal liability coverage.

Modified Homeowners (HO-8)

A highly restricted homeowners policy form, the HO-8 policy covers 11 named perils, with several major exclusions. The most notable exclusion is water damage, which accounts for roughly half of all Citizens’ homeowner claims. The HO-8 policy uses an alternate calculation to determine replacement cost or actual cash value, which can result in significantly lower claims payouts. HO-8 policies also may not meet the minimum insurance requirements of many mortgage holders; before purchasing, confirm with your mortgage holder that the HO-8 policy meets your insurance requirements.

Dwelling Fire (DP-3, DW-2)

This policy is available for tenant-occupied properties and properties that otherwise may not qualify for an HO-3 or HO-8 policy. It provides coverage for the dwelling, other structures on the property, personal property, and loss of rent or additional living expenses. Coverage for tenant or renter’s contents and liability is available.

Dwelling Fire (DP-1)

While similar to the DP-3 policy, the DP-1 policy provides more limited coverage for only certain named perils.

Condos 

Condominium Unit Owners (HO-6, HW-6) 

Available to condominium-unit owners who live in the condominium unit, this policy covers certain features of the unit’s interior, as well as personal property, additional living expenses and liability coverage. It does not cover the exterior of the condominium building.

Mobile and Manufactured Homes

Mobile Homeowners (MHO-3, MW-2)

Covers mobile and manufactured homes. The owner must live in the home as their primary residence. The policy includes coverage for the mobile home, other structures on the property, and the owner’s personal property, and provides additional living expense and personal liability coverage.  

Mobile Home Dwelling Fire (MDP-1, MD-1)

Available for tenant-occupied properties and properties that otherwise may not qualify for an MHO-3 or MW-2 policy, this policy provides coverage for the dwelling, other structures on the property, personal property, and loss of rent or additional living expenses. Coverage for tenant or renter’s contents and liability is available.

Renters 

Tenant/Renters Contents (HO-4, HW-4)

Available to renters or tenants of a site-built home, apartment or condominium unit (excludes manufactured and mobile homes), this policy covers renter or tenant personal property, additional living expenses and liability. It does not provide coverage for the structure itself.

Mobile Home Tenant/Renters Contents (MHO-4)

This coverage is available to renters or tenants of a mobile or manufactured home. It covers the renter or tenant’s personal property, additional living expenses and personal liability. It does not provide coverage for the structure itself.