Your Florida home is among the largest investments you will ever make. It is a big financial investment so you need to protect it with homeowner's insurance protection, but without having to spend too much. Therefore the question is exactly where can you obtain the lowest Florida home insurance quotes with a top-rated provider?
The answer is no further away than your own computer.
Your Florida home is among the greatest investments you'll make. It's a major investment so you will want to protect it with home insurance, but without spending too much. So the question is exactly where is it possible to obtain the most affordable Florida homeowners insurance quotes with a top-rated company?
Actually the answer to that question is right in front of you. Thanks to the Internet, you can obtain numerous insurance quotes from the best providers simply by visiting an insurance comparison site. All you have to do when you arrive at one of these sites is complete a very simple questionnaire with details about your house, plus the amount and type of insurance protection you would like. Once you submit your questionnaire you'll get quotes coming from a variety of top-rated companies eager to get your business.
Getting Started
You want to have the following information handy when you visit a comparison site to get your quotes . . .
- Your home's square footage
- When your home was constructed
- The distance to the nearest fire hydrant
- What your home is made of, including the walls, roof, and foundation
- How much homeowners coverage as well as personal property coverage you require
- How big of a deductible you want
- All the safety and security features you've got in your home such as security systems, smoke alarms, and fire extinguishers
Tips For Getting The Most Affordable Quote
If you want to decrease your premium even further, do the following:
- When entering your deductible (the amount you must pay before your insurance plan kicks in) make it as high as you are able to afford. The default deductible on Florida homeowners insurance quotes is generally $250, but if you raise it to $500 you can save as much as 15% on your premiums. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you can save as much as 30%. Just make sure you can afford the deductible should you ever need to file a claim.
- Do not set your coverage amount too high. Use the actual building cost of your home, not the appraised value of your home, since the appraised value includes the value of your land. Get an estimate of how much it will cost to reconstruct your house from a building contractor or a real estate agent. To get an estimate of how much your personal belongings are worth, take an inventory of your possessions including your kitchen appliances, your clothing, all your household furniture, and everything else you own that's not part of your house.
- Get every one of the discounts you qualify for. Florida home 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 and burglar alarms.
Little Known Discounts
Insurance carriers have a host of lesser known discounts that you might not be aware of such as a 5% to 10% discount if you reside within a gated community, and a 5% to 10% discount if you're associated with a home owners association. That being the case, make sure you get your agent to let you know about each of the discounts he or she has available.
Selecting A Company
Once you have a number of Florida homeowners insurance quotes, you need to select a company with the very best quote. You will want a provider that has an "A" rating or greater. Comparison websites usually work with companies that have an "A" rating or higher. However, if you want to have a look at a company's rating go to JDPowers.com to check its customer rating, and Standard and Poors website to have a look at their financial rating.
Bottom line
Taking a few minutes of your time to receive quotes using an insurance comparison website will be well worth your time and energy. Just to illustrate, I was able to save $640 on my homeowners insurance policy by using a comparison site.
The answer is no further away than your own computer.
Your Florida home is among the greatest investments you'll make. It's a major investment so you will want to protect it with home insurance, but without spending too much. So the question is exactly where is it possible to obtain the most affordable Florida homeowners insurance quotes with a top-rated company?
Actually the answer to that question is right in front of you. Thanks to the Internet, you can obtain numerous insurance quotes from the best providers simply by visiting an insurance comparison site. All you have to do when you arrive at one of these sites is complete a very simple questionnaire with details about your house, plus the amount and type of insurance protection you would like. Once you submit your questionnaire you'll get quotes coming from a variety of top-rated companies eager to get your business.
Getting Started
You want to have the following information handy when you visit a comparison site to get your quotes . . .
- Your home's square footage
- When your home was constructed
- The distance to the nearest fire hydrant
- What your home is made of, including the walls, roof, and foundation
- How much homeowners coverage as well as personal property coverage you require
- How big of a deductible you want
- All the safety and security features you've got in your home such as security systems, smoke alarms, and fire extinguishers
Tips For Getting The Most Affordable Quote
If you want to decrease your premium even further, do the following:
- When entering your deductible (the amount you must pay before your insurance plan kicks in) make it as high as you are able to afford. The default deductible on Florida homeowners insurance quotes is generally $250, but if you raise it to $500 you can save as much as 15% on your premiums. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you can save as much as 30%. Just make sure you can afford the deductible should you ever need to file a claim.
- Do not set your coverage amount too high. Use the actual building cost of your home, not the appraised value of your home, since the appraised value includes the value of your land. Get an estimate of how much it will cost to reconstruct your house from a building contractor or a real estate agent. To get an estimate of how much your personal belongings are worth, take an inventory of your possessions including your kitchen appliances, your clothing, all your household furniture, and everything else you own that's not part of your house.
- Get every one of the discounts you qualify for. Florida home 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 and burglar alarms.
Little Known Discounts
Insurance carriers have a host of lesser known discounts that you might not be aware of such as a 5% to 10% discount if you reside within a gated community, and a 5% to 10% discount if you're associated with a home owners association. That being the case, make sure you get your agent to let you know about each of the discounts he or she has available.
Selecting A Company
Once you have a number of Florida homeowners insurance quotes, you need to select a company with the very best quote. You will want a provider that has an "A" rating or greater. Comparison websites usually work with companies that have an "A" rating or higher. However, if you want to have a look at a company's rating go to JDPowers.com to check its customer rating, and Standard and Poors website to have a look at their financial rating.
Bottom line
Taking a few minutes of your time to receive quotes using an insurance comparison website will be well worth your time and energy. Just to illustrate, I was able to save $640 on my homeowners insurance policy by using a comparison site.
About the Author:
Click the link that follows to compare Florida homeowners insurance rates and get the best price. Click the website link which follows to look at a video clip that demonstrates how to get low cost Florida home insurance rates and get the lowest cost price.
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