Your Florida home is one of the biggest investments you'll ever make. It's a big investment so you should safeguard it with homeowner's insurance protection, but without having to spend too much. So the question is exactly where are you able to obtain the lowest Florida homeowners insurance rates with a top-rated company?
The answer is no further away than your computer.
Your Florida home is among the greatest investments you will ever make. It's a big investment so you should safeguard it with home insurance protection, but without having to spend too much. So the question is exactly where are you able to get the most affordable Florida homeowners insurance quotes with a top-rated provider?
The answer is no further away than your own computer. Thanks to the Internet, you can receive multiple insurance quotes from the top companies simply by going to an online insurance comparison Internet site. At these websites you will complete a simple questionnaire with details about your house along with your insurance requirements. You only need to complete this questionnaire once to acquire fast, accurate price quotes coming from a number of different insurance providers.
Information You Need To Get Started
You should have the following information handy when you visit a comparison site to get your price quotes . . .
- Your home's square footage
- When your home was built
- The distance to the nearest fire hydrant
- Construction details about the house, like the type of foundation, walls, and roof
- How much coverage you need
- The amount of the deductible you want
- All the security and safety features that you have in your house such as alarm systems, smoke alarms, and fire extinguishers
Guidelines For Obtaining The Cheapest Quote
If you want to reduce your premium even more, do the following:
- Set your deductible as high as you are able to afford. The deductible is the amount you have to 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 can save up to 15% on your monthly premiums. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you will save as much as 30%. The caveat here is to make sure you can pay for the increased deductible.
- Don't use the appraised value of your house for the actual amount of your insurance since that includes the value of the land your home is situated on. Get an estimate of how much it will cost to reconstruct your house from a contractor or a realtor. After that take an inventory of all your belongings such as clothing, electronic devices, kitchen appliances, jewelry, and furniture in order to get their total value.
- Obtain each of the discounts you are entitled to. Florida home insurance providers typically provide discounts when you have your house and car insurance with the same provider, non-smokers discounts if you don't smoke, senior citizen discounts if you're 55 or older and retired, and security discounts if you've got deadbolt locks and alarm systems.
Little Known Discounts
Insurance carriers have a host of obscure discounts that you might not be aware of like a 5% to 10% discount if you live within a gated community, and a 5% to 10% discount if you are a member of a homeowners association. That being the case, make sure you get your agent to inform you about all of the discounts he or she has available.
Choosing A Company
Once you get your price quotes you will want to choose the best price quote with a top-rated provider. Almost all comparison websites only deal with A-rated companies, however if you are uncertain about the company you should check its financial rating at StandardAndPoors.com, and find out it's consumer rating at J.D. Powers website.
In A Nutshell
Taking a few minutes of your time to acquire price quotes using an insurance comparison website will be well worth your time. Case in point, I was able to save $640 on my home insurance coverage by using a comparison site.
The answer is no further away than your computer.
Your Florida home is among the greatest investments you will ever make. It's a big investment so you should safeguard it with home insurance protection, but without having to spend too much. So the question is exactly where are you able to get the most affordable Florida homeowners insurance quotes with a top-rated provider?
The answer is no further away than your own computer. Thanks to the Internet, you can receive multiple insurance quotes from the top companies simply by going to an online insurance comparison Internet site. At these websites you will complete a simple questionnaire with details about your house along with your insurance requirements. You only need to complete this questionnaire once to acquire fast, accurate price quotes coming from a number of different insurance providers.
Information You Need To Get Started
You should have the following information handy when you visit a comparison site to get your price quotes . . .
- Your home's square footage
- When your home was built
- The distance to the nearest fire hydrant
- Construction details about the house, like the type of foundation, walls, and roof
- How much coverage you need
- The amount of the deductible you want
- All the security and safety features that you have in your house such as alarm systems, smoke alarms, and fire extinguishers
Guidelines For Obtaining The Cheapest Quote
If you want to reduce your premium even more, do the following:
- Set your deductible as high as you are able to afford. The deductible is the amount you have to 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 can save up to 15% on your monthly premiums. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you will save as much as 30%. The caveat here is to make sure you can pay for the increased deductible.
- Don't use the appraised value of your house for the actual amount of your insurance since that includes the value of the land your home is situated on. Get an estimate of how much it will cost to reconstruct your house from a contractor or a realtor. After that take an inventory of all your belongings such as clothing, electronic devices, kitchen appliances, jewelry, and furniture in order to get their total value.
- Obtain each of the discounts you are entitled to. Florida home insurance providers typically provide discounts when you have your house and car insurance with the same provider, non-smokers discounts if you don't smoke, senior citizen discounts if you're 55 or older and retired, and security discounts if you've got deadbolt locks and alarm systems.
Little Known Discounts
Insurance carriers have a host of obscure discounts that you might not be aware of like a 5% to 10% discount if you live within a gated community, and a 5% to 10% discount if you are a member of a homeowners association. That being the case, make sure you get your agent to inform you about all of the discounts he or she has available.
Choosing A Company
Once you get your price quotes you will want to choose the best price quote with a top-rated provider. Almost all comparison websites only deal with A-rated companies, however if you are uncertain about the company you should check its financial rating at StandardAndPoors.com, and find out it's consumer rating at J.D. Powers website.
In A Nutshell
Taking a few minutes of your time to acquire price quotes using an insurance comparison website will be well worth your time. Case in point, I was able to save $640 on my home insurance coverage by using a comparison site.
[See how get affordable Florida homeowners insruance]
About the Author:
Click on the link which follows in order to compare Florida home insurance rates and get the lowest cost quote. Click the link which follows to see a video tutorial which shows you how to get affordable Florida homeowners insurance rates and get the most affordable quote.
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