Your home is an enormous investment. It may be the largest financial investment you'll make, so you want to make sure you protect that investment by buying home insurance without spending an arm and a leg to obtain it. But where is it possible to get the very best price on Florida homeowners insurance rates with a leading company?
The answer is no further away than your computer.
Your house is a major investment. It can be the biggest investment you will make, so you'll want to be sure you safeguard that investment by getting homeowners insurance without having to spend an arm and a leg to get it. Therefore the question is exactly where can you obtain the lowest Florida homeowners insurance quotes with a top-rated provider?
The answer to that question is right in front of you. You can go online to an insurance comparison Internet site and get fast Florida homeowners insurance price quotes. At these websites you'll complete a simple questionnaire with information about your home and your insurance needs. After you submit your questionnaire you'll get price quotes coming from multiple top-rated companies wanting to get your business.
Getting Started
You'll need some basic information at hand prior to going online to get your insurance price quotes, which includes:
- Your house's square footage
- The year your home was built
- The distance to the closest fire hydrant
- Construction information regarding the house, such as the type of foundation, walls, and roof
- What amount of homeowners coverage and personal property coverage you'll need
- The amount of the deductible you would like
- The security features you have including deadbolts, smoke detectors, fire extinguishers, and alarm systems
Getting The Most Affordable Price Quote
If you want to reduce your rate even further, do the following:
- 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 basic deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you can save up to 15% on your insurance. Increase it to $1,000 and you will save up to 25% on your monthly payments. And if you raise it to $2,500 you can save as much as 30%. The caveat here is to make sure you can pay for 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 house from a builder or even a real estate agent. To get an estimate of how much all your personal belongings are worth, take an inventory of all your personal property including your kitchen appliances, your clothes, all your furniture, as well as everything else you own that is not part of your house.
- Apply for each of the discounts you are eligible to receive. Florida insurance companies offer a number of discounts including senior discounts if you are 55 or older and retired, mult-policy discounts when you have your home and automobile insured with the same company, plus non-smoker discounts if nobody in your house smokes.
Little Known Discounts
Insurance carriers have a host of obscure discounts that you may not be aware of like a 5% to 10% discount if you live inside 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 each of the discounts he or she has available.
Making Your Choice
After getting several homeowners insurance price quotes, you will need to select a company with the best quote. You want a company that has an "A" rating or better. Almost all comparison sites only deal with A-rated companies, but if you are uncertain 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 obtain quotes using an insurance comparison website will be well worth your time and effort. In fact, after I used a comparison website to see if I could get a better rate on my insurance, I ended up saving $640 on my monthly payments by switching providers.
The answer is no further away than your computer.
Your house is a major investment. It can be the biggest investment you will make, so you'll want to be sure you safeguard that investment by getting homeowners insurance without having to spend an arm and a leg to get it. Therefore the question is exactly where can you obtain the lowest Florida homeowners insurance quotes with a top-rated provider?
The answer to that question is right in front of you. You can go online to an insurance comparison Internet site and get fast Florida homeowners insurance price quotes. At these websites you'll complete a simple questionnaire with information about your home and your insurance needs. After you submit your questionnaire you'll get price quotes coming from multiple top-rated companies wanting to get your business.
Getting Started
You'll need some basic information at hand prior to going online to get your insurance price quotes, which includes:
- Your house's square footage
- The year your home was built
- The distance to the closest fire hydrant
- Construction information regarding the house, such as the type of foundation, walls, and roof
- What amount of homeowners coverage and personal property coverage you'll need
- The amount of the deductible you would like
- The security features you have including deadbolts, smoke detectors, fire extinguishers, and alarm systems
Getting The Most Affordable Price Quote
If you want to reduce your rate even further, do the following:
- 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 basic deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you can save up to 15% on your insurance. Increase it to $1,000 and you will save up to 25% on your monthly payments. And if you raise it to $2,500 you can save as much as 30%. The caveat here is to make sure you can pay for 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 house from a builder or even a real estate agent. To get an estimate of how much all your personal belongings are worth, take an inventory of all your personal property including your kitchen appliances, your clothes, all your furniture, as well as everything else you own that is not part of your house.
- Apply for each of the discounts you are eligible to receive. Florida insurance companies offer a number of discounts including senior discounts if you are 55 or older and retired, mult-policy discounts when you have your home and automobile insured with the same company, plus non-smoker discounts if nobody in your house smokes.
Little Known Discounts
Insurance carriers have a host of obscure discounts that you may not be aware of like a 5% to 10% discount if you live inside 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 each of the discounts he or she has available.
Making Your Choice
After getting several homeowners insurance price quotes, you will need to select a company with the best quote. You want a company that has an "A" rating or better. Almost all comparison sites only deal with A-rated companies, but if you are uncertain 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 obtain quotes using an insurance comparison website will be well worth your time and effort. In fact, after I used a comparison website to see if I could get a better rate on my insurance, I ended up saving $640 on my monthly payments by switching providers.
[See how get affordable Florida homeowners insruance]
About the Author:
Click on the website link which follows in order to compare Florida homeowners insurance quotes and get the lowest cost rate. Click the link which follows to view a video tutorial that demonstrates how to get cheap Florida home insurance quotes and get the least expensive quote.
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