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New to Trident from Citizens? We have answers to your questions in our Welcome Guide.

Florida Focused.
Member Owned.

When you become a member of Trident Reciprocal Exchange, you join a community of responsible homeowners who want the best protection for their home at affordable prices. Dedicated exclusively to Florida, Trident Reciprocal Exchange focuses all its resources on providing just that.

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Why Trident

Here for Florida, Here for Good

From one Florida coast to another, we’re in your neighborhood. Trident is proud to support you with more insurance options and fair premiums without sacrificing coverage. We offer our members abundant protection, responsive claims support, and personalized services so you can prioritize enjoying the relaxed, stress-free lifestyle Florida is known for.

Personalize Your Homeowners Coverage

Additional protections to enhance your policy

  • Contents Coverage
  • Other Structures
  • Additional Living Expenses
  • Animal Liability
  • Animal Liability
  • Water Backup
  • Contents Coverage
  • Other Structures
  • Additional Living Expenses
  • Animal Liability
  • Screen Enclosure
  • Water Backup

Contents Coverage

Contents Coverage

We know your home is much more than walls and a roof. Contents coverage safeguards memories, comforts, and the items that make your house a home.

Other Structures

Other Structures

Your home continues beyond the boundaries of your house. Other structures coverage extends protection to your detached structures—think garages, sheds, and fences— and creates a comprehensive shield around your entire property.

Additional Living Expenses

Additional Living Expenses

Rest easy knowing that if your home becomes temporarily unlivable, you’ll still have a roof over your head and be reimbursed for the cost.

Animal Liability

Animal Liability

Financial protection for pet parents. If your furry friend injures someone causing a lawsuit, this coverage puts a leash on the potential damage to your wallet.

Screen Enclosure

Screen Enclosure

A screen helps your outdoor living space feel like an extension of your home. Knowing you have coverage to protect your screen leaves you free to kick back and relax.

Water Backup

Water Backup

Life can get messy! This endorsement covers backed-up or overflowing drains and pipes and is a smart addition to your insurance that keeps your home dry and your stress low.

Join the Florida Trident Community

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Wind Mitigation Savings

Fortifying your home can prevent losses and save you money.
Learn More About Wind Mitigation

A wind mitigation inspection evaluates your roof and openings into your home:

Roof Strength Protections

Protection Against Water Intrusion

Protection of Openings

Resources

Citizen's Depopulation Guide
Wind Mitigation

Claims

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About Us

From hurricane preparedness to understanding the intricacies of flood zones, our local expertise ensures our Homeowners Products are encompassing and personalized

Latest News from Trident

Trident Reciprocal Exchange approved as ninth new property insurer in Florida

Trident Reciprocal Exchange approved to write homeowners policies in Florida, the Office of Insurance Regulation announced.

New Florida reciprocal exchange Trident secures KBRA rating

Credit rating agency KBRA has assigned an Insurance Financial Strength Rating (IFSR) to Trident Reciprocal Exchange, with a stable outlook.

Florida Focused, Member-Owned

Trident is Committed to Your Future

Become a Member

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Join the Community! Become a Trident Member and benefit from individually crafted policies, responsive claims handling, and personalized service.