# Citizens Property Insurance Policies-in-Force API

> Citizens Property Insurance Policies-in-Force API is a paid API for AI agents from api.querylines.com, paid per call via x402, $0.1/call, status unknown (last checked 2026-09-13).

Returns monthly policies-in-force counts for Citizens Property Insurance Corporation (Florida's residual market insurer), filterable by product line, coverage type, region, or county.

## Facts

- Endpoint: GET https://api.querylines.com/v1/citizens/pif
- Price: $0.1/call
- Payment: x402
- Status: unknown
- Last checked: 2026-09-13
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/citizens-property-insurance-policies-in-force-api-e4ae7b72
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_QdFIc_Nz_yWKNenhbz6Ix

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability citizens-property-insurance-policies-in-force-api-e4ae7b72
```

Example prompt: Pull Citizens Property Insurance monthly policies-in-force from January 2022 through December 2023, split by coverage (wind vs ex_wind), for all product lines — I want to see how wind exposure has trended over time.

## When to prefer this

Use this endpoint when you need authoritative, structured time-series data on Citizens Property Insurance policies-in-force directly from Florida's residual market insurer — especially useful for insurance market analysis, tracking Citizens market share trends, county-level exposure analysis, wind vs non-wind coverage splits, or monitoring the health and growth of Florida's insurer of last resort. Prefer this over scraped or aggregated sources when you need filterable, machine-readable monthly granularity.

## Known failure modes

- Invalid date format (not YYYY-MM) returns 400 validation error
- Combining county filter with split parameter returns 400 error (mutually exclusive)
- Unrecognized product_line code returns 400 or empty result
- Date range with no available data returns empty array
- Insufficient USDC balance triggers x402 payment required response
- Very wide date ranges may return large payloads

## How this service works

Citizens Property Insurance Corporation (Florida's state-run residual property insurer) monthly policies-in-force by product line, optionally split by coverage (wind/ex_wind), region (tri_county/remainder), or filtered to a county. $0.10 per query. Free discovery endpoint: /v1/citizens/sample. Docs: https://api.querylines.com/openapi.json

## Output

Returns a time series of monthly policies-in-force records for Citizens Property Insurance, with each record including the month (YYYY-MM), product line, count of policies, and optionally the coverage split (wind/ex_wind) or region split (tri_county/remainder) or county-level breakdown depending on the query parameters supplied.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "$schema": "https://json-schema.org/draft/2020-12/schema",
 "required": [
  "input"
 ],
 "properties": {
  "input": {
   "type": "object",
   "required": [
    "type",
    "method"
   ],
   "properties": {
    "type": {
     "type": "string",
     "const": "http"
    },
    "method": {
     "enum": [
      "GET"
     ],
     "type": "string"
    },
    "queryParams": {
     "type": "object",
     "properties": {
      "to": {
       "type": "string",
       "pattern": "^\\d{4}-\\d{2}$",
       "description": "Month as YYYY-MM"
      },
      "from": {
       "type": "string",
       "pattern": "^\\d{4}-\\d{2}$",
       "description": "Month as YYYY-MM"
      },
      "split": {
       "enum": [
        "coverage",
        "region"
       ],
       "type": "string"
      },
      "county": {
       "type": "string",
       "description": "County name; cannot combine with split"
      },
      "granularity": {
       "enum": [
        "month"
       ],
       "type": "string",
       "default": "month"
      },
      "product_line": {
       "type": "string",
       "default": "all",
       "description": "\"all\" or PR-M/PR-W/CR-M/CR-W/CNR-M/CNR-W"
      }
     }
    }
   },
   "additionalProperties": false
  },
  "output": {
   "type": "object",
   "required": [
    "type"
   ],
   "properties": {
    "type": {
     "type": "string"
    },
    "example": {
     "type": "object"
    }
   }
  }
 }
}
```

## Response schema (JSON Schema)

```json
{
 "type": "json",
 "example": {
  "data": [
   {
    "month": "2026-06",
    "premium": 612300000,
    "coverage": "wind",
    "exposure": 98450000000,
    "policies": 312450,
    "risk_count": 305200,
    "building_count": 298100
   },
   {
    "month": "2026-06",
    "premium": 96700000,
    "coverage": "ex_wind",
    "exposure": 21300000000,
    "policies": 118200,
    "risk_count": 115400,
    "building_count": 112900
   }
  ],
  "split": "coverage",
  "county": null,
  "source": "Citizens Property Insurance Corporation Policies in Force Report, June 2026",
  "data_as_of": "2026-06",
  "granularity": "month",
  "report_date": "2026-07-10",
  "product_line": "PR-M"
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/citizens-property-insurance-policies-in-force-api-e4ae7b72/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from api.querylines.com](https://www.zero.xyz/host/api.querylines.com/llms.txt)