Your Florida home is one of the largest investments you'll ever make. It is a large investment so you'll want to protect it with homeowner's insurance coverage, but without spending too much. So the question is exactly where is it possible to get the lowest priced Florida homeowners insurance quotes with a top-rated insurer?
The answer is no further away than your own computer.
Your house is a big financial investment. It could be the largest financial investment you will ever make, so you want to be sure you protect that financial investment by buying homeowners insurance without spending an arm and a leg to get it. But where can you obtain the best rate on Florida homeowners insurance with a leading company?
The answer is no further away than your own computer. Thanks to the Internet, you can obtain numerous insurance quotes from the top companies by simply visiting an online insurance comparison website. All you need to do when you arrive at one of these sites is fill in a very simple questionnaire with details about your home, along with the amount and type of insurance protection you want. You just need to fill out this questionnaire once to get fast, accurate price quotes coming from a number of different insurance carriers.
Getting Started
You should have the following information on hand when you go to a comparison site to get your quotes . . .
- The square footage of your house
- The actual year your home was built
- The distance to the closest fire hydrant
- Construction information about your home, such as the type of foundation, walls, and roof
- What amount of homeowners coverage and personal property coverage you need
- The amount of the deductible you'd like
- All the safety and security features you have in your house including security alarms, smoke alarms, and fire extinguishers
Tips For Obtaining The Lowest Priced Quote
To obtain the lowest priced homeowners insurance quotes, follow these tips:
- When entering your deductible (the amount you must pay before your insurance coverage kicks in) make it as high as you can afford. The default deductible on Florida homeowners insurance quotes is typically $250, but if you increase it to $500 you can save as much as 15% on your monthly payments. If you increase it to $1,000 you can 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 can afford the increased deductible.
- Don't use the appraised value of your house for the amount of your coverage since that includes the value of the land your house sits on. To determine how much it will cost to rebuild your house, get an estimate from a contractor or even a real estate broker. Then take an inventory of your personal belongings like clothing, electronics, kitchen appliances, jewelry, as well as furniture to get their total value.
- Apply for all of the discounts you're eligible to receive. Florida insurance providers offer various discounts like senior citizen discounts if you're 55 or older and retired, mult-policy discounts if you have your house and automobile insured with the same company, plus non-smoker discounts if no one at your residence smokes.
Ask About Other Discounts
Insurance providers have a host of obscure discounts that you might 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 buying a policy be sure to ask your agent about every one of the discounts that you can get.
Selecting A Company
Once you obtain your quotes you'll want to choose the best price quote with a top-rated provider. You will want a company that has an "A" rating or greater. Nearly all comparison websites only deal with A-rated companies, but if you're uncertain about the company you can check its financial rating at StandardAndPoors.com, and find out it's consumer rating at J.D. Powers site.
Conclusion
Taking a few minutes of your time to obtain price quotes using an insurance comparison site 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. Not bad for 25 minutes work.
The answer is no further away than your own computer.
Your house is a big financial investment. It could be the largest financial investment you will ever make, so you want to be sure you protect that financial investment by buying homeowners insurance without spending an arm and a leg to get it. But where can you obtain the best rate on Florida homeowners insurance with a leading company?
The answer is no further away than your own computer. Thanks to the Internet, you can obtain numerous insurance quotes from the top companies by simply visiting an online insurance comparison website. All you need to do when you arrive at one of these sites is fill in a very simple questionnaire with details about your home, along with the amount and type of insurance protection you want. You just need to fill out this questionnaire once to get fast, accurate price quotes coming from a number of different insurance carriers.
Getting Started
You should have the following information on hand when you go to a comparison site to get your quotes . . .
- The square footage of your house
- The actual year your home was built
- The distance to the closest fire hydrant
- Construction information about your home, such as the type of foundation, walls, and roof
- What amount of homeowners coverage and personal property coverage you need
- The amount of the deductible you'd like
- All the safety and security features you have in your house including security alarms, smoke alarms, and fire extinguishers
Tips For Obtaining The Lowest Priced Quote
To obtain the lowest priced homeowners insurance quotes, follow these tips:
- When entering your deductible (the amount you must pay before your insurance coverage kicks in) make it as high as you can afford. The default deductible on Florida homeowners insurance quotes is typically $250, but if you increase it to $500 you can save as much as 15% on your monthly payments. If you increase it to $1,000 you can 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 can afford the increased deductible.
- Don't use the appraised value of your house for the amount of your coverage since that includes the value of the land your house sits on. To determine how much it will cost to rebuild your house, get an estimate from a contractor or even a real estate broker. Then take an inventory of your personal belongings like clothing, electronics, kitchen appliances, jewelry, as well as furniture to get their total value.
- Apply for all of the discounts you're eligible to receive. Florida insurance providers offer various discounts like senior citizen discounts if you're 55 or older and retired, mult-policy discounts if you have your house and automobile insured with the same company, plus non-smoker discounts if no one at your residence smokes.
Ask About Other Discounts
Insurance providers have a host of obscure discounts that you might 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 buying a policy be sure to ask your agent about every one of the discounts that you can get.
Selecting A Company
Once you obtain your quotes you'll want to choose the best price quote with a top-rated provider. You will want a company that has an "A" rating or greater. Nearly all comparison websites only deal with A-rated companies, but if you're uncertain about the company you can check its financial rating at StandardAndPoors.com, and find out it's consumer rating at J.D. Powers site.
Conclusion
Taking a few minutes of your time to obtain price quotes using an insurance comparison site 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. Not bad for 25 minutes work.
About the Author:
Click on the website link that follows in order to compare Florida home insurance quotes and receive the lowest price. Click on the website link that follows to view a video recording which shows you how to get low cost Florida home insurance rates and get the best rate.
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