02:22:00
Your Florida home is among the biggest investments you'll ever make. It's a large investment so you should safeguard it with homeowner's insurance, but without spending too much. But where can you obtain the best deal on Florida home insurance rates with a top provider?
The answer to that question is right in front of you.
Your home is an enormous financial investment. It might be the biggest investment you will make, so you'll want to be sure you protect that investment by buying homeowners insurance without having to spend an arm and a leg to get it. But where is it possible to get the very best rate on Florida homeowners insurance with a top company?
The answer to that question is actually right in front of you. You can go online to an insurance comparison site and get fast Florida homeowners insurance quotes. All you have to do when you arrive at one of these websites is complete a basic questionnaire with information regarding your house, and the amount and type of insurance coverage you will need. You just need to fill out this questionnaire once to acquire fast, accurate price quotes from a number of different insurance providers.
Information You Will Need To Help You Get Started
You should have the following information on hand whenever you visit a comparison site to get your quotes . . .
- Your house's square footage
- The actual year your home was constructed
- The distance to the closest fire hydrant
- Building details about the home, like the type of foundation, walls, and roof
- What amount of homeowners coverage plus personal property coverage you need
- How large of a deductible you would like
- Any safety features you have in your house like security alarms, smoke alarms, and fire extinguishers
Tips For Obtaining The Lowest Priced Price Quote
If you want to lower your rate even further, do the following:
- When entering your deductible (the amount you have to pay before your insurance coverage takes over) make it as high as you are able to afford. The usual deductible for Florida home insurance quotes is $250. If you increase it to $500 you can save up to 15% on your insurance policy. If you increase it to $1,000 you'll save as much as 25%, and if you increase it to $2,500 you can save as much as 30%. Just be sure you can afford the deductible should you ever need to file a claim.
- Don't set your coverage amount too high. Don't use the appraised value of your house for the amount of your insurance since that includes the value of the land your home sits on. To determine how much it would cost to reconstruct your house, get an estimate from a local contractor or even a realtor. Next take an inventory of your personal belongings like clothes, electronic devices, kitchen appliances, jewelry, as well as household furniture to get their total value.
- Apply for each of the discounts you are qualified to receive. Florida homeowners insurance providers normally provide discounts if you have your home and automobile insurance with the same company, non-smokers discounts if you do not smoke, senior discounts if you're 55 or older and retired, and security discounts if you've got deadbolt locks as well as security alarms.
Little Known Discounts
Insurance providers have a host of lesser known discounts that you might not be aware of like a 5% to 10% discount if you live inside of a gated community, and a 5% to 10% discount if you're a member of a home owners association. Before you buy a policy be sure to ask your agent about all of the discounts that are offered.
Making Your Choice
After getting several Florida homeowners insurance price quotes, you will need to choose a company with the best price quote. You want a company that has an "A" rating or better. Comparison sites mostly work with companies that have an "A" rating or better. However, if you would like to check a company's rating go to JDPowers.com to take a look its consumer rating, and Standard and Poors website to check their financial rating.
Bottom line
It will only take a few minutes of your time to obtain a cheap quote with a leading company using a comparison site and, believe me, it will be worth it. Case in point, I was able to save $640 on my home insurance plan by using a comparison site. Not bad for 25 minutes work.
The answer to that question is right in front of you.
Your home is an enormous financial investment. It might be the biggest investment you will make, so you'll want to be sure you protect that investment by buying homeowners insurance without having to spend an arm and a leg to get it. But where is it possible to get the very best rate on Florida homeowners insurance with a top company?
The answer to that question is actually right in front of you. You can go online to an insurance comparison site and get fast Florida homeowners insurance quotes. All you have to do when you arrive at one of these websites is complete a basic questionnaire with information regarding your house, and the amount and type of insurance coverage you will need. You just need to fill out this questionnaire once to acquire fast, accurate price quotes from a number of different insurance providers.
Information You Will Need To Help You Get Started
You should have the following information on hand whenever you visit a comparison site to get your quotes . . .
- Your house's square footage
- The actual year your home was constructed
- The distance to the closest fire hydrant
- Building details about the home, like the type of foundation, walls, and roof
- What amount of homeowners coverage plus personal property coverage you need
- How large of a deductible you would like
- Any safety features you have in your house like security alarms, smoke alarms, and fire extinguishers
Tips For Obtaining The Lowest Priced Price Quote
If you want to lower your rate even further, do the following:
- When entering your deductible (the amount you have to pay before your insurance coverage takes over) make it as high as you are able to afford. The usual deductible for Florida home insurance quotes is $250. If you increase it to $500 you can save up to 15% on your insurance policy. If you increase it to $1,000 you'll save as much as 25%, and if you increase it to $2,500 you can save as much as 30%. Just be sure you can afford the deductible should you ever need to file a claim.
- Don't set your coverage amount too high. Don't use the appraised value of your house for the amount of your insurance since that includes the value of the land your home sits on. To determine how much it would cost to reconstruct your house, get an estimate from a local contractor or even a realtor. Next take an inventory of your personal belongings like clothes, electronic devices, kitchen appliances, jewelry, as well as household furniture to get their total value.
- Apply for each of the discounts you are qualified to receive. Florida homeowners insurance providers normally provide discounts if you have your home and automobile insurance with the same company, non-smokers discounts if you do not smoke, senior discounts if you're 55 or older and retired, and security discounts if you've got deadbolt locks as well as security alarms.
Little Known Discounts
Insurance providers have a host of lesser known discounts that you might not be aware of like a 5% to 10% discount if you live inside of a gated community, and a 5% to 10% discount if you're a member of a home owners association. Before you buy a policy be sure to ask your agent about all of the discounts that are offered.
Making Your Choice
After getting several Florida homeowners insurance price quotes, you will need to choose a company with the best price quote. You want a company that has an "A" rating or better. Comparison sites mostly work with companies that have an "A" rating or better. However, if you would like to check a company's rating go to JDPowers.com to take a look its consumer rating, and Standard and Poors website to check their financial rating.
Bottom line
It will only take a few minutes of your time to obtain a cheap quote with a leading company using a comparison site and, believe me, it will be worth it. Case in point, I was able to save $640 on my home insurance plan by using a comparison site. Not bad for 25 minutes work.
[See how get affordable Florida homeowners insruance]
About the Author:
Click the website link which follows to compare Florida homeowners insurance rates and receive the cheapest rate. Click the link which follows to watch a video that shows you how to get cheap Florida home insurance rates and get the lowest quote.
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