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What is personal property?

Regardless of who is at fault, this coverage pays medical expenses for others accidentally injured on your property. Medical Payments coverage does not apply to you or members of your family who live with you. Like Personal Liability it also does not apply to injuries arising out of the operation of an auto or from activities involving your at-home business.

What does the “Assumption Date” mean?

Assumption date refers to the date Florida Peninsula assumes responsibility for managing any losses affecting the insured property. Until you receive a renewal from Florida Peninsula, you should contact your agent or Citizens for policy changes and payments.

Citizens Takeout
How do I make a policy payment?

Any payment due prior to your Citizens policy expiration date, should be paid to Citizens. Your agent is the best source of information if you are unsure of where to send a payment. You may also contact Citizens customer service for payment questions. Once you have received a renewal package from Florida Peninsula Insurance Company, payments can be made online at upon registering your policy and creating a username and password. You may also contact our Customer Service Department or your agent for assistance in processing your payment.  We accept all major credit cards and have 4 convenient payment plans available to meet your budgetary needs.

Citizens Takeout
Why should I select Florida Peninsula as my new homeowner's carrier?

Florida Peninsula has been serving and protecting Florida families over the past 15 years. In addition to repairing homes from common occurrences like pipe breaks and theft; we have helped thousands of families recover from 5 major hurricanes which have impacted our state since 2005. We specialize in Florida home insurance and understand the risks Floridians face. Our team of dedicated professionals and comprehensive coverage options along with our Florida specific experience make Florida Peninsula the right choice for your family and home.

Citizens Takeout
What is Florida Peninsula’s experience when it comes to handling claims?

Florida Peninsula Insurance Company has operated successfully in the State of Florida since 2005. During this time, we have helped Floridians recover from major hurricanes which impacted the state.  We have done this by maintaining a robust surplus and procuring several layers of reinsurance to support forecasted claims, even in years where multiple events may occur.

Citizens Takeout
Claims and Damages
What's the right amount of insurance for my home?

Your Home Insurance Coverage should match the value of your home. Homeowner's insurance cannot cover the land your home is on, only the structure. That means that the insurance amount could be less than the purchase price or loan amount. If you insure your house for $100,000, that´s the most you will get if it is destroyed, even if it would cost more to replace it. The Declarations Page on the front of your policy shows how much coverage you have. Talk with your agent or company representative if you have any questions about your insurance limits.

Replacement Cost
What is covered under identity theft coverage?

An Identity Theft policy reimburses the policyholder for money spent on reclaiming and repairing their financial identities and credit rating. These costs often include legal assistance, phone bills, and office expenses that can lead to thousands of dollars.

Identity Theft
How do I accept the Florida Peninsula Offer?

Joining our family of policyholders is easy, you may either contact your agent directly and ask for their assistance or make your selection online at


  • If you are making your submitting your choice online, please have your Citizens policy number and the registration code listed on the enclosed Policyholder Choice Offer Form on hand.
  • If you do not make a selection, Citizens will assign your policy to the private-market carrier of their choice, on your behalf.
Citizens Takeout
Will my lender be notified of your Takeout/Assumption of my policy?

We will mail a copy of your renewal to the designated lender/mortgage company listed on your policy.

Citizens Takeout
How much is flood insurance in Florida?

In Florida, the average cost of a flood insurance policy is $562 per year, when purchased through the National Flood Insurance Program. The cost of a flood policy is dependent on the location and elevation of the property, building materials, and distance to a lake, river, levee, or ocean.

Flood Insurance
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