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FamReynaBrain/areas/finances/329_palm_breezes_homeowners_insurance.md
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2026-09-17 23:01:00 -04:00

2.9 KiB

Address, Property, Insurer, Policy
Address Property Insurer Policy
329 Palm Breezes Dr Rental property / A2EG LLC Citizens Property Insurance Corporation 15481774-1

329 Palm Breezes — Citizens Insurance

Source and scope

  • Source: Two user-provided photos of the Citizens policy documents, received 2026-09-17.
  • Brain attachments:
    • areas/finances/attachments/329_palm_breezes/Citizens_15481774-1_amended_declarations_page1.jpg
    • areas/finances/attachments/329_palm_breezes/Citizens_15481774-1_policy_change_summary.jpg
    • areas/finances/attachments/329_palm_breezes/Citizens_15481774-1_amended_declarations_2-pages.pdf
  • This is a partial photo record: the declarations page says “Page 1 of 5,” while the separate policy-change summary is “Page 1 of 1.” It should not be treated as the complete five-page policy package.

Date review — important

  • Policy period: November 11, 2025 through November 11, 2026, at 12:01 a.m. Eastern Time.
  • Transaction: Amended declarations.
  • Amendment effective date: July 27, 2026.
  • Processed date: July 27, 2026.
  • Policy expiration: November 11, 2026. This is the controlling expiration shown in the supplied documents; there is no 2027 expiration shown.
  • Finder/cloud file metadata shows the photos modified November 17, 2025, but that is file metadata—not the policy amendment or processing date. The printed document dates are July 27, 2026.

Policy and insured location

  • Carrier: Citizens Property Insurance Corporation.
  • Form: Dwelling Fire DP-3 Special Form Policy — Declarations.
  • Policy number: 15481774-1.
  • First named insured: A2EG LLC.
  • Mailing address: 220 Emerald Ave, Fort Pierce, FL 34945-2121.
  • Location of residence premises: 329 Palm Breezes Dr, Fort Pierce, FL 34945-1208, St. Lucie County.
  • Agent shown: Christina Marie Johnson / Twig Insurance Services Inc.; agency code on the amended record: P108305_1.

Printed coverages and premium

  • Coverage A — Dwelling: $346,700.
  • Coverage B — Other structures: $6,930.
  • Coverage C — Personal property: $10,000.
  • Coverage D — Fair rental value: $34,670.
  • Coverage E — Additional living expense: $34,670.
  • Personal liability: $0.
  • Medical payments: $0.
  • All-other-perils deductible: $1,000.
  • Hurricane deductible: $6,934 (2%).
  • Annual premium shown: $2,522.
  • Total policy premium including listed charges, assessments, and adjustments: $2,172.
  • Printed breakdown: hurricane coverage $1,523; non-hurricane coverage $589.

Interpretation / follow-up

The July 27, 2026 document is an amendment to an active policy term that began November 11, 2025. The second page appears to document an agent-code change rather than a new annual term. Because the supplied declarations page is only page 1 of 5, retain the complete declarations/forms package if available and confirm whether the policy was renewed after November 11, 2026.