Your Florida home is one of the largest purchases you'll make. It's really a large financial investment so you need to safeguard it with home insurance coverage, but without spending too much. But where can you get the very best deal on Florida homeowners insurance quotes with a leading provider?
The answer to that question is actually right in front of you.
Your Florida home is one of the greatest investments you'll ever make. It's a huge investment so you should safeguard it with home insurance protection, but without having to spend too much. But where is it possible to obtain the best rate on Florida homeowners insurance with a top rated company?
The answer to that question is right in front of you. Thanks to the Internet, you can obtain several quotes from the top companies by visiting an online insurance comparison Internet site. All you have to do when you arrive at one of these sites is fill in a very simple questionnaire with information about your home, and the amount and type of insurance protection you want. You just need to complete this questionnaire once to get fast, accurate price quotes coming from a number of different insurance providers.
Getting Started
You want to have the following information handy when you go to a comparison site to get your quotes . . .
- Your house's square footage
- The actual year your home was constructed
- How far away the nearest fire hydrant is
- What your home is made of, including the walls, roof, and foundation
- How much homeowners coverage and personal property coverage you require
- The amount of the deductible you'd like
- Any security and safety features you've got in your house like security alarms, smoke detectors, and fire extinguishers
Obtaining The Cheapest Quote
To get the best homeowners insurance quotes, follow these tips:
- When entering your deductible (the amount you have to pay before your insurance plan takes over) make it as high as you can afford. The default deductible on Florida home insurance quotes is generally $250, but if you increase it to $500 you can save up to 15% on your monthly premiums. Raise it to $1,000 and you'll save up to 25% on your monthly premiums. And if you raise it to $2,500 you will save as much as 30%. Just be sure you are able to afford the deductible should you ever need to file a claim.
- Avoid using the appraised value of your home for the amount of your insurance because that includes the value of the land your home is situated on. Get an estimate of how much it would cost to rebuild your house from a building contractor or even a real estate agent. Next take an inventory of all your personal belongings like clothes, electronic devices, appliances, jewelry, and also furniture in order to get their total value.
- Apply for all of the discounts you are qualified to receive. Florida insurance companies offer various discounts including senior discounts if you're 55 or older and retired, mult-policy discounts if you have your house and car insured with the same company, and non-smoker discounts if nobody in your house smokes.
Inquire About Other Discounts
Insurance companies have a host of lesser known discounts that you might not be aware of such as a 5% to 10% discount if you reside inside of a gated community, and a 5% to 10% discount if you are a member of a homeowners association. Before you buy a policy make sure to ask your agent about all the discounts that are offered.
Selecting A Company
After you have several home insurance quotes, you will need to select a provider with the best price quote. You will want a provider that has an "A" rating or greater. The majority of comparison websites only work with A-rated companies, but if you're unsure about the company you should check its financial rating at StandardAndPoors.com, and see it's consumer rating at J.D. Powers site.
In A Nutshell
Taking a few minutes of your time to get price quotes using an insurance comparison site will be well worth your time and effort. For example, I was able to save $640 on my home insurance plan using a comparison site.
The answer to that question is actually right in front of you.
Your Florida home is one of the greatest investments you'll ever make. It's a huge investment so you should safeguard it with home insurance protection, but without having to spend too much. But where is it possible to obtain the best rate on Florida homeowners insurance with a top rated company?
The answer to that question is right in front of you. Thanks to the Internet, you can obtain several quotes from the top companies by visiting an online insurance comparison Internet site. All you have to do when you arrive at one of these sites is fill in a very simple questionnaire with information about your home, and the amount and type of insurance protection you want. You just need to complete this questionnaire once to get fast, accurate price quotes coming from a number of different insurance providers.
Getting Started
You want to have the following information handy when you go to a comparison site to get your quotes . . .
- Your house's square footage
- The actual year your home was constructed
- How far away the nearest fire hydrant is
- What your home is made of, including the walls, roof, and foundation
- How much homeowners coverage and personal property coverage you require
- The amount of the deductible you'd like
- Any security and safety features you've got in your house like security alarms, smoke detectors, and fire extinguishers
Obtaining The Cheapest Quote
To get the best homeowners insurance quotes, follow these tips:
- When entering your deductible (the amount you have to pay before your insurance plan takes over) make it as high as you can afford. The default deductible on Florida home insurance quotes is generally $250, but if you increase it to $500 you can save up to 15% on your monthly premiums. Raise it to $1,000 and you'll save up to 25% on your monthly premiums. And if you raise it to $2,500 you will save as much as 30%. Just be sure you are able to afford the deductible should you ever need to file a claim.
- Avoid using the appraised value of your home for the amount of your insurance because that includes the value of the land your home is situated on. Get an estimate of how much it would cost to rebuild your house from a building contractor or even a real estate agent. Next take an inventory of all your personal belongings like clothes, electronic devices, appliances, jewelry, and also furniture in order to get their total value.
- Apply for all of the discounts you are qualified to receive. Florida insurance companies offer various discounts including senior discounts if you're 55 or older and retired, mult-policy discounts if you have your house and car insured with the same company, and non-smoker discounts if nobody in your house smokes.
Inquire About Other Discounts
Insurance companies have a host of lesser known discounts that you might not be aware of such as a 5% to 10% discount if you reside inside of a gated community, and a 5% to 10% discount if you are a member of a homeowners association. Before you buy a policy make sure to ask your agent about all the discounts that are offered.
Selecting A Company
After you have several home insurance quotes, you will need to select a provider with the best price quote. You will want a provider that has an "A" rating or greater. The majority of comparison websites only work with A-rated companies, but if you're unsure about the company you should check its financial rating at StandardAndPoors.com, and see it's consumer rating at J.D. Powers site.
In A Nutshell
Taking a few minutes of your time to get price quotes using an insurance comparison site will be well worth your time and effort. For example, I was able to save $640 on my home insurance plan using a comparison site.
[See how get affordable Florida homeowners insruance]
About the Author:
Click on the link that follows to compare Florida home insurance quotes and receive the most affordable price. Click the website link which follows to see a video tutorial that demonstrates how to get affordable Florida home insurance rates and get the best quote.
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