As a trusted homeowners insurance provider, Citizen Property Insurance Corporation (CPIC) offers comprehensive coverage solutions to safeguard your most valuable asset. We extend a comprehensive range of coverages, excluding title insurance, to ensure your property and personal belongings are protected against unforeseen events. Our policies are meticulously designed to mitigate potential financial losses and provide peace of mind when you need it most.
CPIC’s homeowners coverage umbrella extends to the dwelling itself, including its structure and attached fixtures. This encompasses the main building, garages, patios, and other permanent additions. Additionally, we cover personal property within the premises, such as furniture, electronics, clothing, and appliances. Our policies also address liability concerns, providing coverage for bodily injury or property damage caused to others while on your property. Moreover, we offer additional coverage options to tailor your policy to your specific needs, ensuring a customized level of protection.
At CPIC, we understand that your home is more than just a structure; it’s a sanctuary that holds cherished memories and irreplaceable possessions. Our homeowners coverage is designed to empower you to protect your investment and safeguard your loved ones. By partnering with CPIC, you can rest assured that your property is in secure hands, allowing you to enjoy your home with confidence and tranquility.
Homeowners Coverages Covered by Citizen Property Insurance Corporation
Citizen Property Insurance Corporation (Citizens) is a state-owned insurance company that provides windstorm and flood insurance policies to homeowners in the state of Florida. Citizens offers a variety of homeowners insurance coverages, including:
- Dwelling coverage: This coverage protects the physical structure of your home, including its walls, roof, and floors.
- Other structures coverage: This coverage protects structures on your property that are not attached to your home, such as fences, sheds, and garages.
- Personal property coverage: This coverage protects your personal belongings, such as furniture, clothing, and electronics.
- Loss of use coverage: This coverage provides you with additional living expenses if you are unable to live in your home due to a covered loss.
- Hurricane deductible: This deductible applies only to claims for hurricane damage.
Citizens also offers a number of optional coverages, such as:
- Jewelry and furs coverage: This coverage provides additional protection for your jewelry and furs.
- Water backup coverage: This coverage protects you from damage caused by water backup from drains or sewers.
- Identity theft coverage: This coverage provides you with reimbursement for expenses incurred as a result of identity theft.
People Also Ask
What is the hurricane deductible for Citizens homeowners insurance?
The hurricane deductible is a separate deductible that applies only to claims for hurricane damage. The hurricane deductible is based on a percentage of your home’s insured value. The percentage can vary depending on the county in which you live.
Does Citizens homeowners insurance cover flood damage?
No, Citizens homeowners insurance does not cover flood damage. However, Citizens offers a separate flood insurance policy that you can purchase to protect your home from flood damage.
What is loss of use coverage?
Loss of use coverage provides you with additional living expenses if you are unable to live in your home due to a covered loss. This coverage can help you pay for expenses such as rent, hotel bills, and restaurant meals.