Citizens Insurance Customers and Agents

State Regulators have approved Homeowners Choice Property & Casualty Insurance Company to assume selected HO-3, DP-3, and HO-6 Citizens’ policies as part of their Depopulation Program. 

We look forward to having you as a customer. We want to ensure that your transition to Homeowners Choice is smooth and simple. If you are currently a Citizens Insurance customer, and received a Homeowners Choice policy offer, you will need to accept or decline this offer by the policyholder choice deadline. You may either contact your agent directly and ask for their assistance or make your selection online at www.citizensfla.com/online-choice.

In the meantime, feel free to contact your Insurance Agent or Homeowners Choice Customer Service at (888) 210-5235 with any questions.

Citizens Depopulation Key Points

Policy Status

You will need to accept or decline your Homeowners Choice offer by the policyholder choice deadline. You may either contact your agent directly and ask for their assistance or make your selection online at www.citizensfla.com/online-choice.

Payments

Your current policy premium has already been paid unless you pay Citizens in installments. If you currently pay under the installment plan, continue to pay Citizens.

Before your policy ends its term with Citizens, you will receive a renewal offer and invoice from Homeowners Choice, providing payment instructions and options.

If your insurance premium is paid as a part of your mortgage payment, your lender will receive the same premium notice, and there will be no disruption to that process.

Claims
      • Claims with a date of loss before the assumption date, contact Citizens Insurance at 866-411-2742 or visit www.citizensfla.com.
      • Claims with a date of loss on or after the assumption date, should be reported to Homeowners Choice at 866-324-3138.
Stability Rating

Your policies are safe with us. Homeowners Choice has been writing insurance policies in Florida since 2007. We are an established insurance provider with a Financial Stability Rating of “A” (exceptional) from Demotech, a leading actuarial and financial analysis firm.

Frequently Asked Questions

We know you may have questions, and we hope to address those most frequently asked with the Q&A below. However, please feel free to call your agent or Homeowners Choice Customer Service at (888) 210-5235 to discuss any additional questions you may have.

  • Do I need to take any action if I wish to accept the Homeowners Choice renewal policy?  You will need to accept or decline your Homeowners Choice offer by the policyholder choice deadline. You may either contact your agent directly and ask for their assistance or make your selection online at www.citizensfla.com/online-choice.
  • How do I decline the offer of a renewal policy? If you wish to decline the Homeowners Choice offer, you may either contact your agent directly and ask for their assistance or decline your offer online at citizensfla.com/online-choice.
  • Are customers losing coverage? No, they are gaining coverage with the Homeowners Choice policy. For example, water coverage does not have a sub-limit or buyback required. The same applies to screen enclosures.
  • Can I make changes to my policy? Submit your change request to your agent, who will forward it to Citizens for processing. Once your policy is renewed with Homeowners Choice your agent will forward your requests to Homeowners Choice for processing.
  • When will I receive my renewal from Homeowners Choice? Policyholders assumed from Citizens will receive their Homeowners Choice renewal offer approximately 45 days before their renewal date.
  • Should I continue to make payments to Citizens Insurance?
    • Your current policy premium has already been paid unless you pay Citizens in installments. If you currently pay under the installment plan, continue to pay Citizens.
    • Before your policy ends its term with Citizens, you will receive a renewal offer and invoice from Homeowners Choice, providing payment instructions and options.
    • If your insurance premium is paid as a part of your mortgage payment, your lender will receive the same premium notice, and there will be no disruption to that process.
  • How can I pay my Homeowners Choice renewal policy premium? Once you receive a renewal offer packet and invoice from Homeowners Choice, it will include payment instructions and options. Homeowners Choice offers the following payment options:
      • Check / Money Order mailed to Homeowners Choice, P.O. Box 23177, Tampa, FL 33623
      • Credit card / ACH by calling Homeowners Choice at (888) 210-5235
    • Homeowners Choice does not currently offer recurring credit card payments or policyholder/agent portal payments.
  • I was on a payment plan with Citizens Insurance. Can I continue with the same payments? If you were on a Semi-Annual or Quarterly installment plan, you will keep it. If you were using an installment plan greater than a 4-pay plan, it will be converted to a quarterly installment plan with Homeowners Choice. Homeowners Choice payment options include:
    • Annual
    • Semi-Annual
    • Quarterly

         If you have any questions regarding payments, contact Homeowners Choice Customer Service at (888) 210-5235

Contact Information

Homeowners Choice Claims
Phone: (866) 324-3138
Homeowners Choice Customer Service
Phone: (888) 210-5235
Homeowners Choice Agency Support
Email: agencysupport@hcpci.com
Citizens Insurance Claims
(Date of loss before the assumption date)
Phone: (866) 411-2742
Website: www.citizensfla.com
 Depopulation resources:  www.citizensfla.com/depopulation-resources

Assumption Coverage Worksheets