Your Florida home is among the biggest investments you'll ever make. It's a large financial investment so you will want to protect it with home insurance protection, but without having to spend too much. But where is it possible to get the best deal on Florida homeowners insurance quotes with a top rated provider?
The answer is no further away than your own computer.
Your Florida home is one of the biggest investments you will ever make. It is a major investment so you'll want to protect it with homeowner's insurance protection, but without spending too much. So the question is where can you get the cheapest Florida homeowners insurance quotes with a top-rated company?
The answer is no further away than your computer. Thanks to the Internet, you can receive several insurance quotes from the best companies by simply going to an online insurance comparison website. All you have to do when you arrive at one of these sites is fill out a simple questionnaire with details about your home, and the amount and type of insurance protection you're looking for. When you submit your questionnaire you will get quotes coming from multiple top-rated providers eager to get your business.
Information You Need To Get Started
You will need some basic information at hand before you go on the Internet to get your insurance quotes, like:
- The square footage of your home
- When your house was constructed
- How far away the closest fire hydrant is
- Building details about your house, including the type of foundation, walls, and roof
- How much coverage you will need
- How big of a deductible you'd like
- Any safety and security features you've got in your home such as burglar alarms, smoke detectors, and fire extinguishers
Guidelines For Getting The Lowest Price Quote
If you want to lower your rate even further, do the following:
- When entering your deductible (the total amount you must pay before your insurance coverage kicks in) make it as high as you are able to afford. The default deductible on Florida homeowners insurance quotes is normally $250, but if you raise it to $500 you will save as much as 15% on your monthly payments. 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 could save up to 30%. Just make sure you can afford the deductible should you need to file a claim.
- Avoid using the appraised value of your house for the actual amount of your insurance coverage because that includes the value of the land your house is situated on. Get an estimate of how much it would cost to rebuild your house from a builder or a real estate agent. To get an estimate of how much all your personal possessions are worth, take an inventory of your belongings including all your appliances, your clothes, your household furniture, and anything else you own which isn't a part of your home.
- Request all of the discounts you are qualified to receive. Florida home insurance companies commonly provide discounts when you have your home and auto insurance with the same provider, non-smokers discounts if you do not smoke, senior discounts if you are 55 or older and retired, and security discounts if you have deadbolt locks and alarm systems.
Inquire About Other Discounts
Insurance providers have a host of obscure discounts that you may not be aware of such as a 5% to 10% discount if you live inside of 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 let you know about all the discounts they have available.
Selecting A Company
Once you get 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. Comparison sites usually work with providers that have an "A" rating or better. But if you would like to have a look at a company's rating go to JDPowers.com to check out its consumer rating, and Standard and Poors website to have a look at their financial rating.
Conclusion
It'll only take a few minutes of your time to obtain a cheap price quote with a leading company by using a comparison site and, believe me, it'll be worth it. In fact, after I used a comparison site to see if I could obtain a better price on my insurance policy, I ended up saving $640 on my premiums by simply switching companies.
The answer is no further away than your own computer.
Your Florida home is one of the biggest investments you will ever make. It is a major investment so you'll want to protect it with homeowner's insurance protection, but without spending too much. So the question is where can you get the cheapest Florida homeowners insurance quotes with a top-rated company?
The answer is no further away than your computer. Thanks to the Internet, you can receive several insurance quotes from the best companies by simply going to an online insurance comparison website. All you have to do when you arrive at one of these sites is fill out a simple questionnaire with details about your home, and the amount and type of insurance protection you're looking for. When you submit your questionnaire you will get quotes coming from multiple top-rated providers eager to get your business.
Information You Need To Get Started
You will need some basic information at hand before you go on the Internet to get your insurance quotes, like:
- The square footage of your home
- When your house was constructed
- How far away the closest fire hydrant is
- Building details about your house, including the type of foundation, walls, and roof
- How much coverage you will need
- How big of a deductible you'd like
- Any safety and security features you've got in your home such as burglar alarms, smoke detectors, and fire extinguishers
Guidelines For Getting The Lowest Price Quote
If you want to lower your rate even further, do the following:
- When entering your deductible (the total amount you must pay before your insurance coverage kicks in) make it as high as you are able to afford. The default deductible on Florida homeowners insurance quotes is normally $250, but if you raise it to $500 you will save as much as 15% on your monthly payments. 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 could save up to 30%. Just make sure you can afford the deductible should you need to file a claim.
- Avoid using the appraised value of your house for the actual amount of your insurance coverage because that includes the value of the land your house is situated on. Get an estimate of how much it would cost to rebuild your house from a builder or a real estate agent. To get an estimate of how much all your personal possessions are worth, take an inventory of your belongings including all your appliances, your clothes, your household furniture, and anything else you own which isn't a part of your home.
- Request all of the discounts you are qualified to receive. Florida home insurance companies commonly provide discounts when you have your home and auto insurance with the same provider, non-smokers discounts if you do not smoke, senior discounts if you are 55 or older and retired, and security discounts if you have deadbolt locks and alarm systems.
Inquire About Other Discounts
Insurance providers have a host of obscure discounts that you may not be aware of such as a 5% to 10% discount if you live inside of 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 let you know about all the discounts they have available.
Selecting A Company
Once you get 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. Comparison sites usually work with providers that have an "A" rating or better. But if you would like to have a look at a company's rating go to JDPowers.com to check out its consumer rating, and Standard and Poors website to have a look at their financial rating.
Conclusion
It'll only take a few minutes of your time to obtain a cheap price quote with a leading company by using a comparison site and, believe me, it'll be worth it. In fact, after I used a comparison site to see if I could obtain a better price on my insurance policy, I ended up saving $640 on my premiums by simply switching companies.
About the Author:
Click the website link that follows to compare Florida homeowners insurance quotes and receive the cheapest rate. Click the website link which follows to see a video that demonstrates how to get low cost Florida home insurance quotes and get the most affordable quote.
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