Citizens Wind‑Only Eligibility Guide

Check If Your Home Qualifies for a Citizens Wind‑Only Policy

Need Help With Citizens Eligibility? Call 352‑200‑2066

Citizens offers a Wind‑Only policy for homes located in Florida’s designated wind‑pool areas. Eligibility depends on your location, carrier availability, and whether private insurers are offering comparable coverage. This guide gives you a quick way to check your eligibility using Citizens’ official online tool.

1. Use the Citizens Wind‑Only Eligibility Tool

Citizens provides a simple online lookup tool to check whether your property is eligible for a Wind‑Only policy.

🌬️ Open Citizens Wind‑Only Eligibility Tool

Just enter your address and the tool will show:

• Whether your home is in a wind‑pool area
• If Citizens Wind‑Only is available
• Whether private carriers are offering comparable coverage
• Any special eligibility notes for your location

2. What a Citizens Wind‑Only Policy Covers

A Citizens Wind‑Only policy covers wind and hurricane damage only. It does not include:

• Fire
• Theft
• Water damage
• Liability

Most homeowners pair Wind‑Only coverage with a separate fire policy or DP‑1/HO‑8 depending on the home.

3. When Homeowners Typically Use Wind‑Only Coverage

Wind‑Only policies are common when:

• Private carriers decline wind coverage
• The home is near the coast or in a high‑risk wind zone
• The home is older or has roof issues
• Premiums for full HO‑3 coverage are unaffordable

Citizens Wind‑Only can be a cost‑effective option when full coverage isn’t available.

4. Need Help Understanding Your Eligibility?

If you’re unsure whether your home qualifies — or if you want to compare Citizens Wind‑Only with private market options — I can review your address and give you a clear recommendation.

Call anytime or request a quote. I’ll walk you through the best option for your home and location.

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