Your Florida home is one of the greatest investments you'll ever make. It's a large investment so you need to protect it with homeowner's insurance, but without spending too much. But where can you obtain the best deal on Florida home insurance quotes with a major provider?
The answer is no further away than your computer.
Your Florida home is among the largest purchases you will ever make. It's a large financial investment so you need to protect it with homeowner's insurance protection, but without having to spend too much. So the question is where is it possible to obtain the least costly Florida homeowners insurance quotes with a top-rated company?
The answer is no further away than your computer. You can go online to an insurance comparison website and obtain fast Florida homeowners insurance quotes. At these websites you'll complete a very simple questionnaire with details about your house along with your insurance requirements. You just need to complete this questionnaire one time to get fast, accurate quotes coming from a number of different insurance carriers.
Information You Will Need To Get Started
You should have the following information handy when you go to a comparison site to get your price quotes . . .
- Your home's square footage
- When your house was built
- The distance to the nearest fire hydrant
- What your house is made of, including the walls, roof, and foundation
- What amount of homeowners coverage as well as personal property coverage you require
- The amount of the deductible you'd like
- All the security and safety features that you have in your house like alarm systems, smoke detectors, and fire extinguishers
Getting The Lowest Priced Price Quote
To obtain the lowest priced homeowners insurance quotes, follow these suggestions:
- 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 usual deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you'll save as much as 15% on your insurance. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you'll save as much as 30%. Just make sure you are able to afford the deductible should you ever need to file a claim.
- Use the actual building cost of your home, not the appraised value , since the appraised value includes the value of your land. To find out how much it will cost to rebuild your house, obtain an estimate from a local building contractor or even a real estate agent. Then take an inventory of all your belongings like clothing, electronic devices, appliances, jewelry, and household furniture in order to get their total value.
- Get every one of the discounts you qualify for. Florida home insurance companies usually provide discounts when you have your home 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.
Little Known Discounts
There are a number of discounts you may never have heard of such as discounts for certain professions like fire fighters and military personnel, and discounts for residing in a gated community or being a member of a home owners association. That being the case, make sure you get your agent to inform you about all the discounts they have available.
Making Your Choice
After you obtain your price quotes you will want to choose the best price quote with a top-rated company. You want a company that has an "A" rating or better. Comparison websites normally work with providers that have an "A" rating or better. But 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.
In A Nutshell
Taking a few minutes of your time to receive price quotes using an insurance comparison website will be well worth your time. Case in point, I was able to save $640 on my home insurance coverage using a comparison site.
The answer is no further away than your computer.
Your Florida home is among the largest purchases you will ever make. It's a large financial investment so you need to protect it with homeowner's insurance protection, but without having to spend too much. So the question is where is it possible to obtain the least costly Florida homeowners insurance quotes with a top-rated company?
The answer is no further away than your computer. You can go online to an insurance comparison website and obtain fast Florida homeowners insurance quotes. At these websites you'll complete a very simple questionnaire with details about your house along with your insurance requirements. You just need to complete this questionnaire one time to get fast, accurate quotes coming from a number of different insurance carriers.
Information You Will Need To Get Started
You should have the following information handy when you go to a comparison site to get your price quotes . . .
- Your home's square footage
- When your house was built
- The distance to the nearest fire hydrant
- What your house is made of, including the walls, roof, and foundation
- What amount of homeowners coverage as well as personal property coverage you require
- The amount of the deductible you'd like
- All the security and safety features that you have in your house like alarm systems, smoke detectors, and fire extinguishers
Getting The Lowest Priced Price Quote
To obtain the lowest priced homeowners insurance quotes, follow these suggestions:
- 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 usual deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you'll save as much as 15% on your insurance. If you increase it to $1,000 you will save as much as 25%, and if you increase it to $2,500 you'll save as much as 30%. Just make sure you are able to afford the deductible should you ever need to file a claim.
- Use the actual building cost of your home, not the appraised value , since the appraised value includes the value of your land. To find out how much it will cost to rebuild your house, obtain an estimate from a local building contractor or even a real estate agent. Then take an inventory of all your belongings like clothing, electronic devices, appliances, jewelry, and household furniture in order to get their total value.
- Get every one of the discounts you qualify for. Florida home insurance companies usually provide discounts when you have your home 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.
Little Known Discounts
There are a number of discounts you may never have heard of such as discounts for certain professions like fire fighters and military personnel, and discounts for residing in a gated community or being a member of a home owners association. That being the case, make sure you get your agent to inform you about all the discounts they have available.
Making Your Choice
After you obtain your price quotes you will want to choose the best price quote with a top-rated company. You want a company that has an "A" rating or better. Comparison websites normally work with providers that have an "A" rating or better. But 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.
In A Nutshell
Taking a few minutes of your time to receive price quotes using an insurance comparison website will be well worth your time. Case in point, I was able to save $640 on my home insurance coverage using a comparison site.
About the Author:
Click the link which follows to compare Florida homeowners insurance quotes and receive the lowest priced price. Click the website link that follows to see a video recording which shows you how to get affordable Florida homeowners insurance quotes and get the most affordable quote.
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