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Citizens Policy Types

Personal Residential Multiperil

Personal Residential Multiperil (PR-M) policies are for residential structures and cover a variety of perils (e.g. fire, wind, theft, etc.). Citizens offers a variety of different personal residential multiperil policies based upon the type of property being insured.

  • HO-3 (Homeowners) - Provides the owner of an owner occupied home with building, other structures, contents, additional living expense and liability coverage.
  • HO-4 (Tenant Contents) - Provides a renter or tenant of a home or mobile/manufactured home with contents, additional living expense and liability coverage.
  • HO-6 (Condominium Unit Owners) - Provides the owner of condominium unit with interior building, contents, additional living expense and liability coverage. The unit covered by this policy can be either owner or tenant occupied.
  • HO-8 (Modified Homeowners) - Provides the owner of an owner-occupied home with building, other structures, contents, additional living expenses and liability coverage. This highly restrictive policy provides dwelling repair based on common construction materials and methods. Coverage is limited to eleven (11) named perils, not including the peril of water.
  • MHO-3 (Mobile Homeowners) - Provides the owner of an owner occupied mobile/manufactured home with building, other structures, contents, additional living expense and liability coverage.
  • MHO-4 (Mobile Home Tenant Contents) - Provides a renter or tenant of a mobile/manufactured home with contents, additional living expense and liability coverage.
  • DP-3 (Dwelling Fire) - Provides the owner of a home, condominium or rental property with coverage for the dwelling, other structures, contents and loss of rent or additional living expenses. Tenant or renter's contents coverage can be provided as well. Premises liability coverage is optional. The homes covered by this policy are typically tenant occupied.
  • DP-1 (Dwelling Fire) - Provides the owner of a home, condominium or rental property with coverage for the dwelling, other structures, contents and loss of rent. Tenant or renter's contents coverage can be provided as well. Premises liability coverage is optional. The homes covered by this policy are typically tenant occupied. This policy is similar to a DP-3, but covers fewer perils at a reduced premium.
  • MDP-1 (Mobile Home Dwelling Fire) - Provides the owner of a mobile/manufactured home with coverage for the dwelling, other structures, contents and loss of rent. Tenant or renter's contents coverage can be provided as well. Premises liability coverage is optional. The mobile/manufactured homes covered by this policy are typically tenant occupied. This policy is similar to a DP-1, but is only issued for mobile/manufactured homes.

Personal Residential Wind-Only

These policies are for properties used as a residence/personal home that are located within Citizens' wind-only eligible area. They only cover damage caused by hail and various types of wind (including hurricanes) and are referred to as "Wind Only" policies.

  • HW-2 (Homeowners) - Provides the owner of an owner occupied home with building, other structures, contents, and additional living expense coverages.
  • HW-4 (Tenant Contents including mobile homes) - Provides a renter or tenant with contents and additional living expense coverages.
  • HW-6 (Condominium Unit Owner) - Provides the owner of condominium unit with interior building, contents and additional living expense coverage. The units covered by this policy can be either owner or tenant occupied.
  • DW-2 (Dwelling) - Provides building, other structures, contents and loss of use coverage to the owner of a home. The homes covered by this policy can be either owner or tenant occupied, depending upon the number of families that occupy the building.
  • MW-2 (Mobile Homes) - Provides the owner of a mobile/manufactured home with coverage for their mobile/manufactured home, other structures, contents and additional living expenses or fair rental value. Mobile homes covered by this policy must be owner occupied.
  • MD-1 (Mobile Home Dwelling) - Provides the owner of a tenant occupied mobile/manufactured home with coverage for their mobile/manufactured home, other structures, contents and fair rental value.

Commercial Residential Multiperil

These policies provide coverage for commercial residential buildings for a variety of perils (e.g. fire, wind, sinkhole, etc.), including:

  • Condominium associations
  • Apartment buildings
  • Common elements of homeowners associations
  • Residential buildings of a homeowners association
  • Other commercial residential coverage of residences
  • Residential buildings of a continuing care retirement community

Liability coverage is excluded.

Commercial Residential Wind-Only

These policies provide coverage for the types of residential commercial buildings listed above. However, they only cover damage caused by hail and various types of wind (including hurricanes). Only buildings located within Citizens' wind-only eligible area are eligible for this type of policy.

Commercial Nonresidential Multiperil

These policies provide coverage for nonresidential property that is commercially operated for a variety of perils (e.g. fire, wind, sinkhole etc.).

Commercial Nonresidential Wind-Only

These policies provide coverage for nonresidential commercial buildings for damage caused by hail and various types of wind (including hurricanes). Only buildings located within Citizens' wind-only eligible area are eligible for this type of policy.