Florida Homeowners Insurance - Where To Get The Best Rates

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Florida Homeowners Insurance - Where To Get The Best Rates
Your Florida home is among the largest purchases you'll make. It's a big investment so you'll want to protect it with homeowner's insurance, but without spending too much. So the question is where can you get the cheapest Florida homeowners insurance quotes with a top-rated company?

The answer is no further away than your computer.


Your Florida home is among the largest purchases you'll make. It's a big investment so you'll want to protect it with homeowner's insurance, but without spending too much. So the question is where can you get the cheapest Florida homeowners insurance quotes with a top-rated company?

The answer is no further away than your computer. You can go to an insurance comparison website and get fast Florida homeowners insurance quotes. At these sites you'll complete a simple questionnaire with information about your home and your insurance needs. You only need to fill out this questionnaire one time to get fast, accurate quotes from a number of different insurance companies.


Information You Need To Get Started

You'll need some basic information at hand before you go online to get your insurance quotes, including:

- The square footage of your home

- The year your home was built

- How far away the nearest fire hydrant is

- Construction details about the home, such as the type of foundation, walls, and roof

- The amount of coverage you will need

- The amount of the deductible you want

- The safety features you have such as deadbolts, smoke alarms, fire extinguishers, and security systems


Tips For Getting The Cheapest Quote

To get the lowest priced homeowners insurance quotes, follow these tips:

- Set your deductible as high as you can afford. The deductible is the amount you pay on a claim before your insurance starts to pay. The default deductible on Florida homeowners insurance quotes is normally $250, but if you raise it to $500 you'll save up to 15% on your monthly premiums. Raise it to $1,000 and you'll save up to 25% on your premiums. And if you raise it to $2,500 you'll save up to 30%. Just be sure you can afford the deductible should you ever need to file a claim.

- Don't use the appraised value of your home for the amount of your coverage because that includes the value of the land your home sits on. Get an estimate of how much it would cost to rebuild your house from a builder or a real estate agent. Then take an inventory of your belongings such as clothing, electronics, appliances, jewelry, and furniture to get their total value.

- Get all the discounts you qualify for. Florida homeowners insurance companies generally offer discounts if you have your home and auto insurance with the same company, non-smokers discounts if you don't smoke, senior discounts if you're 55 or older and retired, and security discounts if you have deadbolt locks and burglar alarms.


Ask About Other Discounts

Insurance companies have a host of obscure discounts that you may not be aware of such as a 5% to 10% discount if you live in a gated community, and a 5% to 10% discount if you're a member of a homeowners association. Prior to purchasing your policy make sure to ask your agent about all the discounts that are available.


Making Your Decision

Once you have several homeowners insurance quotes, you'll want to choose a company with the best quote. Most comparison sites only deal with A-rated companies, but if you're unsure about the company you can check its financial rating at StandardAndPoors.com, and see it's consumer rating at J.D. Powers website.


Bottom Line

It'll only take a few minutes of your time to get a cheap quote with a top company through a comparison site and, believe me, it will be worth it. Case in point, I was able to save $640 on my homeowners insurance coverage using a comparison site.