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Let’s answer all your questions and curiosities surrounding insurance.
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Is it possible to maintain the same agent and will they earn commissions?

Your agent will remain the same, as Florida Peninsula has confirmed they are contracted with our company. In addition, they will continue to earn commissions from Florida Peninsula as your selected agent.

Citizens Takeout
What is medical payments coverage?

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.

Why are contents replacement cost coverage and building replacement cost coverage so important?

Replacing your home and your furnishings, clothing and other possessions could be very expensive. Contents replacement cost is a critical part of your homeowners coverage. Why? If your television is stolen, your standard homeowners policy would cover the purchase price less depreciation applied to the stolen set. Under a policy with replacement cost coverage you are covered for the cost to replace the set. You do not have to worry about depreciation or inflation. Most of your personal property may be covered. However, antiques and rare items are subject to the actual cash value provisions of the policy.

Replacement Cost
Is there a waiting period for a flood policy?

Yes, if the flood policy is purchased through the National Flood Insurance Program (NFIP) a 30-day waiting period applies. Should you qualify for a private policy, the rate can be significantly lower with no waiting period.

Flood Insurance
Is flood damage covered in a homeowners policy?

No, a standard homeowners policy does not cover damage resulting from flooding, often referred to as rising water.

Flood Insurance
Is storm surge covered in my homeowners policy?

No, storm surge is considered “rising water” and damage resulting from storm surge is only covered by a flood policy, not a homeowner’s policy. If you live near a body of water which often rises when a storm threatens, a flood policy is a must.

Flood Insurance
Can I get federal assistance if my home is damaged by a flood?

Federal assistance is not guaranteed and requires an approval process. Additionally, federal assistance is almost always extended in the form of a low interest rate loan which must be repaid.

Flood Insurance
What is the difference between replacement cost of my home and actual cash value?

The replacement cost of your home is how much it would cost to replace your home and its contents with new materials at current prices in the event of a loss. Actual cash value (ACV) is the value of your property at the time of a loss. ACV may be determined as the replacement cost minus depreciation.

Replacement Cost
Do I need flood insurance if I am not in a flood zone?

Flood insurance is highly recommended for every homeowner in Florida, as our State is surrounded by water and very prone to flooding. Over 1/3 of all individuals seeking Federal Disaster Assistance for flood events do not live in a designated flood area.

Flood Insurance
Who do I call to make a claim?

Should a loss occur prior to the assumption date, Citizens will be able to assist you with filing the claim.  After the assumption date you may file your claim with Florida Peninsula by calling 866-549-9672.

Citizens Takeout
Claims and Damages
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