Get a Citizens homeowners estimate
Answer a few questions about your property, coverage, and wind mitigation features, and we'll calculate a non-binding estimate straight from Citizens' own published rating rules — then a licensed local agent will confirm every detail and follow up with your official quote.
Property & coverage details
This tool calculates live estimates for HO-3, HO-4 (renters) and HO-6 (condo unit owner) policies - primary or non-primary residence - both outside and inside Citizens' Wind Only Eligible Area. If your property is within the Wind Only Area, you'll be able to identify your specific area from a list of legal boundary descriptions as you go.
About the property
Why start with Citizens?
Citizens Property Insurance Corporation is Florida's state-created insurer of last resort — often the most competitive option for coastal, older, or higher-risk homes that private carriers price aggressively or decline outright. As an independent agency, we also compare Citizens against private carrier options so you can see the full picture before you decide.
Coverage cannot be bound or altered via website submission. The estimate above is calculated from Citizens' own published "Rating Steps and Factors" manual, but your actual premium depends on details — like your verified wind mitigation inspection and ISO protection class — that only a licensed agent can confirm.