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Who We Are

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A Purpose-Driven Mission

Citizens Property Insurance Corporation plays a crucial role in Florida’s property insurance marketplace by providing property insurance protection to people who are in good faith entitled to obtain coverage through the private market but are unable to do so. As one of Florida’s leading insurers of Florida homes and businesses, we strive to ensure that our customers receive service that is comparable to private-market standards.

Citizens is a not-for-profit company whose employees are driven first and foremost by our mission of service to the people of Florida. In addition to providing a quality product and service, we strive to be good stewards of the premium funds entrusted to us and are committed to modeling the highest level of ethical behavior.

Our purpose-driven mission informs every action and decision we make, and we are proud of the valuable service we provide to our customers and the Florida marketplace.

Our Mission

A family smilingWe serve the people of Florida as the state’s insurer of last resort, and as an innovative thought leader focused on promoting a healthy property insurance market.

Our Vision

Person presenting to a group of people.We strive to promote access, stabilization, and market competitiveness for Florida consumers, carriers, investors, and the overall property insurance industry.

Our Values

  • Citizens representative helping a customer during a catastrophe.Committed: We are committed to cultivating a vibrant property insurance market and providing quality service that meets the needs of our customers.
  • Accountable: We are accountable to our stakeholders and the citizens of Florida and are there when they need us.
  • Responsive: We are public servants ready to respond across the communities we serve and display flexibility and presence for our policyholders and stakeholders when they need us most.
  • Empowered: We equip employees to do the right thing and display integrity in all that we do.

Our Commitments

  • Group of people in a circle placing their hands on top of each other.Customers/Stakeholders: We will provide a quality, customer-focused experience with the goal of handling every interaction in a professional, prompt, and courteous manner.
  • Financial Management: We will maintain fiscal prudence to ensure corporate financial governance practices reduce the potential burden on Floridians.
  • Operations: We will leverage internal and external resources, innovation, and technology to provide effective, efficient, and secure solutions.
  • Workforce: We will sustain a healthy and thriving company culture through attracting, hiring, developing, and retaining engaged talent that will help us achieve our objectives.
  • Property Insurance Market: We will be a catalyst for promoting a stable property insurance market for all Floridians.

Strategic Imperatives

Houses down a streetDepopulation

Promote depopulation and optimize access to private-market coverage for Citizens’ applicants and policyholders.

Focus groupCustomer Experience

Understand and enhance the customer experience by soliciting feedback, gauging satisfaction, and optimizing service capabilities and touchpoints.

Graph indicating a downward trendEmergency Assessments

Reduce or eliminate the risk of emergency assessments for Citizens’ policyholders and all potentially impacted Florida policyholders.

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Citizens' Commitment to the People of Florida

About Citizens

Citizens was created by the Florida Legislature in August 2002 as a not-for-profit, tax-exempt, government entity to provide property insurance to eligible Florida property owners unable to find insurance coverage in the private market. Citizens is funded by policyholder premiums; however, Florida law also requires that Citizens levy assessments on most Florida policyholders if it experiences a deficit in the wake of a particularly devastating storm or series of storms.

Citizens operates according to statutory requirements established by the Florida Legislature and is governed by a board of governors. The board administers a Plan of Operation approved by the Florida Financial Services Commission, an oversight panel made up of the Governor, Chief Financial Officer, Attorney General and Commissioner of Agriculture.

Meet the Executive Leadership Team.