In addition to the standard coverages provided under your policy, Citizens offers several optional coverages that may be available for an additional fee.

Depending on your policy type, certain coverages may not be available under your policy. Consult your policy documents for details about the specific coverage available under your policy, as well as any deductibles or exclusions that may apply.

Sinkhole Loss Coverage

Covers structural damage due to ground subsidence. This is distinct from coverage for Catastrophic Ground Cover Collapse, which is included in your standard policy for no additional fee. A sinkhole inspection may be required.

Sinkhole Loss Coverage is included as a standard coverage for Mobile Home (MHO-3 and MDP-1) policies.

Personal Property Replacement Cost

Covers the cost of fully replacing your personal property (Coverage C)

Increased Limits for Ordinance or Law

Covers additional expenses incurred if changes in the law or building codes raise the cost of rebuilding your property beyond your regular Ordinance or Law limits