Your Florida home is one of the greatest purchases you'll ever make. It is a big investment so you will want to protect it with home insurance coverage, but without spending too much. But where can you get the very best rate on Florida home insurance quotes with a top provider?
The answer is no further away than your computer.
Your house is a large investment. It can be the largest investment you will make, so you'll want to ensure you protect that investment by buying home insurance without having to spend an arm and a leg to get it. But where can you obtain the best deal on Florida homeowners insurance with a top rated provider?
The answer to that question is right in front of you. Thanks to the Internet, you can receive numerous insurance quotes from the best providers by simply visiting an online insurance comparison site. All you have to do when you arrive at one of these websites is fill in a simple questionnaire with details about your house, along with the amount and type of insurance you're looking for. After you submit your questionnaire you'll receive price quotes from a variety of top-rated providers wanting to get your business.
Information You Need To Help You Get Started
You want to have the following information on hand when you visit a comparison website to get your quotes . . .
- The square footage of your home
- The year your home was built
- The distance to the nearest fire hydrant
- Building information regarding your home, including the type of foundation, walls, and roof
- What amount of homeowners coverage plus personal property coverage you will need
- How big of a deductible you would like
- All the safety features that you have in your house like alarm systems, smoke alarms, and fire extinguishers
Getting The Cheapest Quote
In order to lower your rate even further, do the following:
- Set your deductible as high as you are able to afford. The deductible is the amount you have to pay on a claim before your insurance starts to pay. The default deductible on Florida home insurance quotes is generally $250, but if you increase 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 will save up to 30%. Just be sure you can afford the deductible should you ever need to file a claim.
- Use the building cost of your home, not the appraised value of your home, because the appraised value includes the value of your land. Get an estimate of how much it would cost to reconstruct your home from a builder or a realtor. To get an estimate of how much your personal belongings are worth, take an inventory of all your personal property including your appliances, your clothes, all your household furniture, and anything else you own which isn't a part of your home.
- Obtain each of the discounts you qualify for. Florida insurance companies offer numerous discounts like senior citizen discounts if you are 55 or older and retired, mult-policy discounts if you've got your house and car insured with the same company, and non-smoker discounts if nobody in your home smokes.
Little Known Discounts
Insurance providers have a host of lesser known discounts that you might 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're associated with a homeowners association. That being the case, make sure you get your agent to tell you about all of the discounts they have available.
Making Your Decision
Once you receive your price quotes you will want to choose the best price quote with a top-rated company. Comparison websites normally work with companies that have an "A" rating or better. However, if you want to check a company's rating go to JDPowers.com to check its consumer rating, and Standard and Poors website to check their financial rating.
Conclusion
It'll only take a few minutes of your time to acquire a cheap price quote with a top rated company by using a comparison site and, believe me, it will be worth it. Case in point, I was able to save $640 on my homeowners insurance coverage using a comparison site. Not bad for 25 minutes work.
The answer is no further away than your computer.
Your house is a large investment. It can be the largest investment you will make, so you'll want to ensure you protect that investment by buying home insurance without having to spend an arm and a leg to get it. But where can you obtain the best deal on Florida homeowners insurance with a top rated provider?
The answer to that question is right in front of you. Thanks to the Internet, you can receive numerous insurance quotes from the best providers by simply visiting an online insurance comparison site. All you have to do when you arrive at one of these websites is fill in a simple questionnaire with details about your house, along with the amount and type of insurance you're looking for. After you submit your questionnaire you'll receive price quotes from a variety of top-rated providers wanting to get your business.
Information You Need To Help You Get Started
You want to have the following information on hand when you visit a comparison website to get your quotes . . .
- The square footage of your home
- The year your home was built
- The distance to the nearest fire hydrant
- Building information regarding your home, including the type of foundation, walls, and roof
- What amount of homeowners coverage plus personal property coverage you will need
- How big of a deductible you would like
- All the safety features that you have in your house like alarm systems, smoke alarms, and fire extinguishers
Getting The Cheapest Quote
In order to lower your rate even further, do the following:
- Set your deductible as high as you are able to afford. The deductible is the amount you have to pay on a claim before your insurance starts to pay. The default deductible on Florida home insurance quotes is generally $250, but if you increase 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 will save up to 30%. Just be sure you can afford the deductible should you ever need to file a claim.
- Use the building cost of your home, not the appraised value of your home, because the appraised value includes the value of your land. Get an estimate of how much it would cost to reconstruct your home from a builder or a realtor. To get an estimate of how much your personal belongings are worth, take an inventory of all your personal property including your appliances, your clothes, all your household furniture, and anything else you own which isn't a part of your home.
- Obtain each of the discounts you qualify for. Florida insurance companies offer numerous discounts like senior citizen discounts if you are 55 or older and retired, mult-policy discounts if you've got your house and car insured with the same company, and non-smoker discounts if nobody in your home smokes.
Little Known Discounts
Insurance providers have a host of lesser known discounts that you might 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're associated with a homeowners association. That being the case, make sure you get your agent to tell you about all of the discounts they have available.
Making Your Decision
Once you receive your price quotes you will want to choose the best price quote with a top-rated company. Comparison websites normally work with companies that have an "A" rating or better. However, if you want to check a company's rating go to JDPowers.com to check its consumer rating, and Standard and Poors website to check their financial rating.
Conclusion
It'll only take a few minutes of your time to acquire a cheap price quote with a top rated company by using a comparison site and, believe me, it will be worth it. Case in point, I was able to save $640 on my homeowners insurance coverage using a comparison site. Not bad for 25 minutes work.
[See how get affordable Florida homeowners insruance]
About the Author:
Click the website link which follows to compare Florida homeowners insurance rates and receive the most affordable rate. Click the link that follows to view a video tutorial that demonstrates how to get cheap Florida home insurance rates and get the lowest cost price.
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