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.
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.
Wind Mitigation Savings
Fortifying your home can prevent losses and save you money.
A wind mitigation inspection evaluates your roof and openings into your home:
Roof Strength Protections
Protection Against Water Intrusion
Protection of Openings
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.
