Your Florida home is among the largest investments you'll ever make. It is a large financial investment so you need to safeguard it with home insurance coverage, but without spending too much. But where is it possible to get the best deal onFlorida homeowners insurance rates with a top rated provider?
The answer to that question is right in front of you.
Your home is a big financial investment. It could be the largest financial investment you will ever make, so you should ensure that you safeguard that investment by purchasing homeowners insurance without spending an arm and a leg to obtain it. Therefore the question is exactly where is it possible to get the least expensive Florida homeowners insurance quotes with a top-rated company?
Actually the answer to that question is right in front of you. Thanks to the Internet, you can obtain multiple quotes from the best providers by going to an online insurance comparison website. All you need to do when you arrive at one of these websites is fill out a basic questionnaire with details about your home, as well as the amount and type of insurance you'd like. After you submit your questionnaire you will get quotes coming from numerous top-rated providers eager to get your business.
Information You Will Need To Help You Get Started
You should have the following information handy when you go to a comparison website to get your price quotes . . .
- Your house's square footage
- When your home was constructed
- The distance to the closest fire hydrant
- What your house is made from, including the walls, roof, and foundation
- The amount of coverage you would like
- The amount of the deductible you would like
- All the safety and security features that you have in your house such as burglar alarms, smoke alarms, and fire extinguishers
Obtaining The Cheapest Price Quote
If you want to decrease your premium even more, do the following:
- When entering your deductible (the total amount you have to pay before your insurance coverage kicks in) make it as high as you are able to afford. The default deductible on Florida home insurance quotes is generally $250, but if you increase it to $500 you will save up to 15% on your monthly premiums. Raise it to $1,000 and you will save up to 25% on your premiums. And if you raise it to $2,500 you could save as much as 30%. The caveat here is to be sure you are able to afford the increased deductible.
- Use the actual building cost of your home, not the appraised value , because the appraised value includes the value of your land. Get an estimate of how much it will cost to rebuild your house from a building contractor or a real estate agent. To get an estimate of how much all your personal belongings are worth, take an inventory of all your belongings including all your home appliances, your clothing, all your household furniture, and everything else you own which isn't a part of your home.
- Request each of the discounts you're qualified to receive. Florida home insurance companies commonly offer discounts when you have your house and auto insurance with the same company, non-smokers discounts if you do not smoke, senior citizen discounts if you're 55 or older and retired, and security discounts if you've got deadbolt locks and security alarms.
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 within a gated community, and a 5% to 10% discount if you are a member of a home owners association. That being the case, make sure you get your agent to tell you about all the discounts they have available.
Making Your Choice
Once you've got several homeowners insurance price quotes, you will need to select a provider with the very best price quote. Almost all comparison websites only work with A-rated companies, however if you're uncertain about the company you should check its financial rating at StandardAndPoors.com, and see it's customer rating at J.D. Powers website.
Conclusion
Taking a few minutes of your time to receive price quotes using an insurance comparison website will be well worth your time and energy. For example, I was able to save $640 on my homeowners insurance coverage by using a comparison site.
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