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 Property Insurance Corporation offers wind-only coverage for eligible properties in designated areas of Florida. Being located in a wind-only territory is an important first step, but it does not automatically qualify a property for a Citizens policy. Final eligibility depends on the property, applicable Citizens underwriting and eligibility rules, and the availability of qualifying private-market coverage. This guide explains how to check your location using Citizens’ official tool.

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1. Use the Citizens Wind-Only Eligibility Tool

Citizens provides an online lookup to help determine whether an address is within a designated wind-only eligibility area.

🌀 Open Citizens Wind-Only Eligibility Tool

Enter the property’s address and review the location result. The lookup can help you determine:

• Whether the address appears to fall within a designated wind-only territory
• Whether a more detailed eligibility review may be appropriate
• Whether you should contact an agent or Citizens to verify the location information

Important: The location lookup is not a quote, a binding decision, or a determination that private-market coverage is unavailable. A Citizens application still must satisfy the applicable underwriting and eligibility requirements, including rules concerning available private insurance offers.

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2. What a Citizens Wind-Only Policy Covers

A Citizens wind-only policy is designed to insure covered direct physical loss caused by windstorm or hail, including hurricane wind, subject to the policy’s terms, exclusions, limits, and deductibles. It is not a complete homeowners insurance policy.

Wind-only coverage generally does not provide the separate protection homeowners may need for:

• Fire and other non-wind property perils
• Theft
• Water losses that are not covered windstorm damage, including flooding
• Personal liability

Homeowners typically need a separate policy for non-wind property coverage and, where appropriate, liability protection. The suitable companion policy depends on the home’s occupancy, construction, condition, and the insurer’s available forms; a DP-1 or HO-8 is not automatically the correct choice. Flood insurance is separate and may also be needed or required.

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3. When Homeowners Typically Use Wind-Only Coverage

Wind-only coverage may be considered when:

• The property is within an eligible wind-only territory
• Non-wind property coverage is available separately, but an insurer excludes windstorm coverage
• Available private-market wind coverage is limited or does not meet the homeowner’s needs
• The property otherwise satisfies Citizens’ eligibility and underwriting requirements

Coastal location, an older home, roof condition, or the price of a full homeowners policy does not, by itself, establish Citizens wind-only eligibility. Comparing the combined cost and coverage of separate wind and non-wind policies against available package-policy alternatives is important; wind-only coverage is not necessarily the least expensive option.

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4. Need Help Understanding Your Eligibility?

If you’re unsure whether your home is in an eligible territory, or you want to compare Citizens wind-only coverage with available private-market options, I can review the address, the property’s underwriting details, and the coverage alternatives. A location lookup is a starting point, not a guarantee of acceptance.

Call 352‑200‑2066 or request a quote. I’ll help you understand which options may be available for your home and location.

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