Your house is a major investment. It can be the largest financial investment you will ever make, so you should be sure to protect that investment by getting home insurance without having to spend an arm and a leg to get it. But where can you obtain the best deal on Florida home insurance quotes with a major company?
Actually the answer to that question is right in front of you.
Your Florida home is among the largest purchases you will ever make. It is a large investment so you'll want to safeguard it with homeowner's insurance coverage, but without spending too much. But where can you obtain the best price on Florida homeowners insurance with a leading provider?
The answer is no further away than your own computer. Thanks to the Internet, you can receive a number of insurance quotes from the top providers simply by going to an insurance comparison site. At these sites you'll complete a simple questionnaire with details about your home and your insurance needs. When you submit your questionnaire you'll get quotes coming from several top-rated providers wanting to get your business.
Getting Started
You want to have the following information handy whenever you visit a comparison website to get your price quotes . . .
- The square footage of your home
- When your home was constructed
- How far away the closest fire hydrant is
- What your home is made of, including the walls, roof, and foundation
- How much coverage you need
- How big of a deductible you want
- All the safety features you have in your house including burglar alarms, smoke detectors, and fire extinguishers
Getting The Most Affordable Quote
To get the most affordable home insurance quotes, follow these suggestions:
- Set your deductible as high as you are able to afford. The deductible is the amount of money you pay on a claim before your insurance starts to pay. The usual deductible for Florida home insurance quotes is $250. If you increase it to $500 you can save as much as 15% on your insurance policy. 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 be sure you are able to afford the increased deductible.
- Don't set your insurance amount too high. Use the construction 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 rebuild your home from a contractor or a realtor. After that take an inventory of your personal belongings including clothing, electronic devices, appliances, jewelry, as well as household furniture to get their total value.
- Apply for all the discounts you are qualified to receive. Florida insurance companies offer a number of discounts like senior citizen discounts if you are 55 or older and retired, mult-policy discounts in case you have your house and auto insured with the same company, plus non-smoker discounts if nobody in your home smokes.
Little Known 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 home owners association. That being the case, make sure you get your agent to inform you about all of the discounts they have available.
Selecting A Company
Once you receive your quotes you'll want to choose the best price quote with a top-rated company. You will want a company that has an "A" rating or better. Most comparison websites only work with A-rated companies, but if you are unsure 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
It will only take a few minutes of your time to obtain a cheap quote with a top rated company using a comparison site and, believe me, it will be worth it. Case in point, I was able to save $640 on my homeowners insurance policy using a comparison site.
Actually the answer to that question is right in front of you.
Your Florida home is among the largest purchases you will ever make. It is a large investment so you'll want to safeguard it with homeowner's insurance coverage, but without spending too much. But where can you obtain the best price on Florida homeowners insurance with a leading provider?
The answer is no further away than your own computer. Thanks to the Internet, you can receive a number of insurance quotes from the top providers simply by going to an insurance comparison site. At these sites you'll complete a simple questionnaire with details about your home and your insurance needs. When you submit your questionnaire you'll get quotes coming from several top-rated providers wanting to get your business.
Getting Started
You want to have the following information handy whenever you visit a comparison website to get your price quotes . . .
- The square footage of your home
- When your home was constructed
- How far away the closest fire hydrant is
- What your home is made of, including the walls, roof, and foundation
- How much coverage you need
- How big of a deductible you want
- All the safety features you have in your house including burglar alarms, smoke detectors, and fire extinguishers
Getting The Most Affordable Quote
To get the most affordable home insurance quotes, follow these suggestions:
- Set your deductible as high as you are able to afford. The deductible is the amount of money you pay on a claim before your insurance starts to pay. The usual deductible for Florida home insurance quotes is $250. If you increase it to $500 you can save as much as 15% on your insurance policy. 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 be sure you are able to afford the increased deductible.
- Don't set your insurance amount too high. Use the construction 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 rebuild your home from a contractor or a realtor. After that take an inventory of your personal belongings including clothing, electronic devices, appliances, jewelry, as well as household furniture to get their total value.
- Apply for all the discounts you are qualified to receive. Florida insurance companies offer a number of discounts like senior citizen discounts if you are 55 or older and retired, mult-policy discounts in case you have your house and auto insured with the same company, plus non-smoker discounts if nobody in your home smokes.
Little Known 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 home owners association. That being the case, make sure you get your agent to inform you about all of the discounts they have available.
Selecting A Company
Once you receive your quotes you'll want to choose the best price quote with a top-rated company. You will want a company that has an "A" rating or better. Most comparison websites only work with A-rated companies, but if you are unsure 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
It will only take a few minutes of your time to obtain a cheap quote with a top rated company using a comparison site and, believe me, it will be worth it. Case in point, I was able to save $640 on my homeowners insurance policy using a comparison site.
About the Author:
Click the link which follows to compare Florida homeowners insurance rates and receive the lowest price. Click the link that follows to watch a video clip which shows you how to get affordable Florida home insurance rates and get the lowest price.
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