Affordable Florida Homeowners Insurance Rate - Where You Can Get It
Your home is a major investment. It might be the biggest financial investment you'll make, so you want to be sure you protect that investment by getting home insurance without spending an arm and a leg to get it. And so the question is where is it possible to obtain the least costly Florida home insurance quotes with a top-rated provider?
Actually the answer to that question is actually right in front of you.
Your house is a large investment. It might be the largest investment you'll ever make, so you want to be sure you safeguard that financial investment by getting homeowners insurance without having to spend an arm and a leg to get it. But where can you get the very best deal on Florida homeowners insurance with a major company?
The answer is no further away than your own computer. You can go online to an insurance comparison site and get fast Florida homeowners insurance quotes. All you have to do when you arrive at one of these sites is fill in a simple questionnaire with information about your home, plus the amount and type of insurance protection you're looking for. After you submit your questionnaire you will get price quotes coming from a variety of top-rated providers eager to get your business.
Getting Started
You will need some basic information at hand before you go online to get your insurance quotes, such as:
- The square footage of your house
- When your home was constructed
- The distance to the closest fire hydrant
- Construction details about your home, including the type of foundation, walls, and roof
- The amount of coverage you will need
- How big of a deductible you'd like
- The security features you have including deadbolts, smoke detectors, fire extinguishers, and security systems
Getting The Lowest Price Quote
If you want to decrease your premium even further, do the following:
- Set your deductible as high as you are able to afford. The deductible is the amount you pay on a claim before your insurance begins to pay. The default deductible on Florida home insurance quotes is generally $250, but if you increase it to $500 you can save as much as 15% on your premiums. Raise it to $1,000 and you will save up to 25% on your premiums. And if you increase it to $2,500 you could save up to 30%. Just make sure you can afford the deductible should you need to file a claim.
- Use the building 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 would cost to rebuild your home from a contractor or a realtor. Then take an inventory of your personal belongings like clothing, electronics, appliances, jewelry, and also furniture to get their total value.
- Request each of the discounts you're qualified to receive. Florida insurance companies offer various discounts including senior discounts if you're 55 or older and retired, mult-policy discounts if you've got your house and auto insured with the same company, plus non-smoker discounts if no one in your home smokes.
Find Out About Other Discounts
Insurance companies have a host of lesser known discounts that you may not be aware of like a 5% to 10% discount if you live inside of a gated community, and a 5% to 10% discount if you are associated with a home owners association. Prior to buying your policy remember to ask your agent about each of the discounts that you can get.
Making Your Decision
After you get your price quotes you will want to choose the best 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 customer rating at J.D. Powers site.
Bottom line
Taking a few minutes of your time to get quotes using an insurance comparison website will be well worth your time and energy. For example, I was able to save $640 on my home insurance policy by using a comparison site. Not bad for 25 minutes work.
Actually the answer to that question is actually right in front of you.
Your house is a large investment. It might be the largest investment you'll ever make, so you want to be sure you safeguard that financial investment by getting homeowners insurance without having to spend an arm and a leg to get it. But where can you get the very best deal on Florida homeowners insurance with a major company?
The answer is no further away than your own computer. You can go online to an insurance comparison site and get fast Florida homeowners insurance quotes. All you have to do when you arrive at one of these sites is fill in a simple questionnaire with information about your home, plus the amount and type of insurance protection you're looking for. After you submit your questionnaire you will get price quotes coming from a variety of top-rated providers eager to get your business.
Getting Started
You will need some basic information at hand before you go online to get your insurance quotes, such as:
- The square footage of your house
- When your home was constructed
- The distance to the closest fire hydrant
- Construction details about your home, including the type of foundation, walls, and roof
- The amount of coverage you will need
- How big of a deductible you'd like
- The security features you have including deadbolts, smoke detectors, fire extinguishers, and security systems
Getting The Lowest Price Quote
If you want to decrease your premium even further, do the following:
- Set your deductible as high as you are able to afford. The deductible is the amount you pay on a claim before your insurance begins to pay. The default deductible on Florida home insurance quotes is generally $250, but if you increase it to $500 you can save as much as 15% on your premiums. Raise it to $1,000 and you will save up to 25% on your premiums. And if you increase it to $2,500 you could save up to 30%. Just make sure you can afford the deductible should you need to file a claim.
- Use the building 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 would cost to rebuild your home from a contractor or a realtor. Then take an inventory of your personal belongings like clothing, electronics, appliances, jewelry, and also furniture to get their total value.
- Request each of the discounts you're qualified to receive. Florida insurance companies offer various discounts including senior discounts if you're 55 or older and retired, mult-policy discounts if you've got your house and auto insured with the same company, plus non-smoker discounts if no one in your home smokes.
Find Out About Other Discounts
Insurance companies have a host of lesser known discounts that you may not be aware of like a 5% to 10% discount if you live inside of a gated community, and a 5% to 10% discount if you are associated with a home owners association. Prior to buying your policy remember to ask your agent about each of the discounts that you can get.
Making Your Decision
After you get your price quotes you will want to choose the best 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 customer rating at J.D. Powers site.
Bottom line
Taking a few minutes of your time to get quotes using an insurance comparison website will be well worth your time and energy. For example, I was able to save $640 on my home insurance policy by using a comparison site. Not bad for 25 minutes work.
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Click the website link which follows in order to compare Florida homeowners insurance rates and receive the cheapest price. Click on the link which follows to look at a video which shows you how to get low cost Florida home insurance rates and get the lowest rate.
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New Unique Article!
Title: Affordable Florida Homeowners Insurance Rate - Where You Can Get It
Author: Brian Stevens
Email: brianaria@msn.com
Keywords: florida homeowners insurance rates,home insurance rates,homeowners insurance,insurance,finance,home
Word Count: 761
Category: Finance
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