Your house is a huge investment. It can be the largest investment you will ever make, so you'll want to be sure you protect that investment by getting homeowners insurance without spending an arm and a leg to get it. So the question is where are you able to obtain the least expensive Florida home insurance rates with a top-rated insurer?
The answer is no further away than your computer.
Your home is a big financial investment. It might be the largest investment you will ever make, so you should be sure to protect that investment by buying homeowners insurance without spending an arm and a leg to get it. But where is it possible to get the very best price on Florida homeowners insurance with a top provider?
The answer is no further away than your own computer. You can go to an insurance comparison website and acquire fast Florida homeowners insurance price quotes. All you need to do when you arrive at one of these sites is fill in a simple questionnaire with details about your home, and the amount and type of insurance you want. After you submit your questionnaire you'll receive quotes from a number of top-rated companies wanting to get your business.
Getting Started
You will need some basic information at hand before you go online to get your insurance price quotes, which includes:
- Your house's square footage
- When your house was constructed
- How far away the nearest fire hydrant is
- Building details about your house, like the type of foundation, walls, and roof
- How much coverage you'd like
- How big of a deductible you want
- All the safety features you've got in your house like alarm systems, smoke detectors, and fire extinguishers
Suggestions For Getting The Most Affordable Price Quote
If you want to decrease your rate even further, do the following:
- When entering your deductible (the amount you have to pay before your insurance plan kicks in) make it as high as you can afford. The default deductible on Florida home insurance quotes is usually $250, but if you raise it to $500 you can save as much as 15% on your premiums. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you will save as much as 30%. Just make sure you can afford the deductible should you need to file a claim.
- Use the construction cost of your home, not the appraised value , since the appraised value includes the value of your land. To determine how much it will cost to rebuild your house, get an estimate from a local building contractor or even a realtor. Next take an inventory of your personal belongings like clothing, electronics, kitchen appliances, jewelry, and household furniture to get their total value.
- Get every one of the discounts you are entitled to. Florida insurance companies offer a number of discounts such as senior citizen discounts if you are 55 or older and retired, mult-policy discounts if you've got your house and automobile insured with the same company, plus non-smoker discounts if no one in your home smokes.
Inquire About Other Discounts
Insurance carriers have a host of lesser known discounts that you might not be aware of such as a 5% to 10% discount if you reside inside of a gated community, and a 5% to 10% discount if you're associated with a home owners association. Before you purchase a policy make sure to ask your agent about every one of the discounts that are offered.
Making Your Choice
Once you have several homeowners insurance quotes, you will need to choose a provider with the very best price quote. Comparison websites normally work with providers that have an "A" rating or higher. However, if you want to check a company's rating go to JDPowers.com to take a look its customer rating, and Standard and Poors website to check their financial rating.
Bottom Line
It'll only take a few minutes of your time to obtain a cheap quote with a top rated company through a comparison site and, believe me, it'll be worth it. In fact, when I used a comparison website to see if I could receive a better price on my insurance plan, I ended up saving $640 on my premiums by switching companies.
The answer is no further away than your computer.
Your home is a big financial investment. It might be the largest investment you will ever make, so you should be sure to protect that investment by buying homeowners insurance without spending an arm and a leg to get it. But where is it possible to get the very best price on Florida homeowners insurance with a top provider?
The answer is no further away than your own computer. You can go to an insurance comparison website and acquire fast Florida homeowners insurance price quotes. All you need to do when you arrive at one of these sites is fill in a simple questionnaire with details about your home, and the amount and type of insurance you want. After you submit your questionnaire you'll receive quotes from a number of top-rated companies wanting to get your business.
Getting Started
You will need some basic information at hand before you go online to get your insurance price quotes, which includes:
- Your house's square footage
- When your house was constructed
- How far away the nearest fire hydrant is
- Building details about your house, like the type of foundation, walls, and roof
- How much coverage you'd like
- How big of a deductible you want
- All the safety features you've got in your house like alarm systems, smoke detectors, and fire extinguishers
Suggestions For Getting The Most Affordable Price Quote
If you want to decrease your rate even further, do the following:
- When entering your deductible (the amount you have to pay before your insurance plan kicks in) make it as high as you can afford. The default deductible on Florida home insurance quotes is usually $250, but if you raise it to $500 you can save as much as 15% on your premiums. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you will save as much as 30%. Just make sure you can afford the deductible should you need to file a claim.
- Use the construction cost of your home, not the appraised value , since the appraised value includes the value of your land. To determine how much it will cost to rebuild your house, get an estimate from a local building contractor or even a realtor. Next take an inventory of your personal belongings like clothing, electronics, kitchen appliances, jewelry, and household furniture to get their total value.
- Get every one of the discounts you are entitled to. Florida insurance companies offer a number of discounts such as senior citizen discounts if you are 55 or older and retired, mult-policy discounts if you've got your house and automobile insured with the same company, plus non-smoker discounts if no one in your home smokes.
Inquire About Other Discounts
Insurance carriers have a host of lesser known discounts that you might not be aware of such as a 5% to 10% discount if you reside inside of a gated community, and a 5% to 10% discount if you're associated with a home owners association. Before you purchase a policy make sure to ask your agent about every one of the discounts that are offered.
Making Your Choice
Once you have several homeowners insurance quotes, you will need to choose a provider with the very best price quote. Comparison websites normally work with providers that have an "A" rating or higher. However, if you want to check a company's rating go to JDPowers.com to take a look its customer rating, and Standard and Poors website to check their financial rating.
Bottom Line
It'll only take a few minutes of your time to obtain a cheap quote with a top rated company through a comparison site and, believe me, it'll be worth it. In fact, when I used a comparison website to see if I could receive a better price on my insurance plan, I ended up saving $640 on my premiums by switching companies.
About the Author:
Click on the link which follows in order to compare Florida homeowners insurance quotes and get the lowest rate. Click the website link which follows to look at a video tutorial that shows you how to get cheap Florida homeowners insurance rates and get the most affordable price.
This article collected, selected and written by: Author Van Hoc
Niche blogs are sometimes referred to as splogs, but this is a misnomer. Even though the desired end result for the niche blogger is to make money...
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