Your house is a major investment. It may be the largest investment you'll ever make, so you should make sure you safeguard that investment by purchasing home insurance without having to spend an arm and a leg to get it. Therefore the question is where are you able to obtain the cheapest Florida home insurance quotes with a top-rated company?
The answer is no further away than your own computer.
Your house is an enormous financial investment. It could be the largest financial investment you'll ever make, so you should be sure to protect that financial investment by getting homeowners insurance without having to spend an arm and a leg to obtain it. Therefore the question is where can you get the lowest priced Florida homeowners insurance rates with a top-rated company?
Actually the answer to that question is actually right in front of you. Thanks to the Internet, you can obtain a number of quotes from the best providers by simply visiting an insurance comparison site. At these websites you will complete a very simple questionnaire with information regarding your home as well as your insurance requirements. After you submit your questionnaire you will get quotes from multiple top-rated companies wanting to get your business.
Getting Started
You want to have the following information handy when you go to a comparison site to get your price quotes . . .
- The square footage of your house
- When your house was constructed
- How far away the closest fire hydrant is
- Building information regarding the home, like the type of foundation, walls, and roof
- What amount of homeowners coverage plus personal property coverage you need
- The amount of the deductible you'd like
- Any safety features that you have in your house including security alarms, smoke alarms, and fire extinguishers
Suggestions For Getting The Cheapest Price Quote
To obtain the most affordable home insurance quotes, follow these suggestions:
- When entering your deductible (the total amount you must pay before your insurance plan takes over) make it as high as you can afford. The normal deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you will save up to 15% on your insurance policy. Increase it to $1,000 and you'll save up to 25% on your premiums. And if you increase it to $2,500 you will save up to 30%. Just be sure you can afford the deductible should you need to file a claim.
- Do not set your insurance amount too high. Use the construction cost of your home, not the appraised value of your home, since the appraised value includes the value of your land. Get an estimate of how much it would cost to reconstruct your home from a building contractor or a real estate agent. After that take an inventory of your possessions like clothing, electronic devices, kitchen appliances, jewelry, and household furniture to get their total value.
- Request all of the discounts you are qualified to receive. Florida homeowners insurance companies normally provide discounts if 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 security alarms.
Find Out About Other Discounts
Insurance carriers have a host of lesser known discounts that you might not be aware of like a 5% to 10% discount if you live in a gated community, and a 5% to 10% discount if you're associated with a homeowners association. Before choosing a policy remember to ask your agent about every one of the discounts that you can get.
Making Your Choice
Once you receive your quotes you will want to choose the best quote with a top-rated provider. Almost all comparison websites only deal with A-rated companies, however if you are uncertain about the company you can check its financial rating at StandardAndPoors.com, and see it's customer rating at J.D. Powers site.
Summary
Taking a few minutes of your time to receive price quotes using an insurance comparison site will be well worth your time and energy. In fact, when I used a comparison website to find out if I could obtain a better price on my insurance plan, I ended up saving $640 on my premiums by simply switching companies.
The answer is no further away than your own computer.
Your house is an enormous financial investment. It could be the largest financial investment you'll ever make, so you should be sure to protect that financial investment by getting homeowners insurance without having to spend an arm and a leg to obtain it. Therefore the question is where can you get the lowest priced Florida homeowners insurance rates with a top-rated company?
Actually the answer to that question is actually right in front of you. Thanks to the Internet, you can obtain a number of quotes from the best providers by simply visiting an insurance comparison site. At these websites you will complete a very simple questionnaire with information regarding your home as well as your insurance requirements. After you submit your questionnaire you will get quotes from multiple top-rated companies wanting to get your business.
Getting Started
You want to have the following information handy when you go to a comparison site to get your price quotes . . .
- The square footage of your house
- When your house was constructed
- How far away the closest fire hydrant is
- Building information regarding the home, like the type of foundation, walls, and roof
- What amount of homeowners coverage plus personal property coverage you need
- The amount of the deductible you'd like
- Any safety features that you have in your house including security alarms, smoke alarms, and fire extinguishers
Suggestions For Getting The Cheapest Price Quote
To obtain the most affordable home insurance quotes, follow these suggestions:
- When entering your deductible (the total amount you must pay before your insurance plan takes over) make it as high as you can afford. The normal deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you will save up to 15% on your insurance policy. Increase it to $1,000 and you'll save up to 25% on your premiums. And if you increase it to $2,500 you will save up to 30%. Just be sure you can afford the deductible should you need to file a claim.
- Do not set your insurance amount too high. Use the construction cost of your home, not the appraised value of your home, since the appraised value includes the value of your land. Get an estimate of how much it would cost to reconstruct your home from a building contractor or a real estate agent. After that take an inventory of your possessions like clothing, electronic devices, kitchen appliances, jewelry, and household furniture to get their total value.
- Request all of the discounts you are qualified to receive. Florida homeowners insurance companies normally provide discounts if 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 security alarms.
Find Out About Other Discounts
Insurance carriers have a host of lesser known discounts that you might not be aware of like a 5% to 10% discount if you live in a gated community, and a 5% to 10% discount if you're associated with a homeowners association. Before choosing a policy remember to ask your agent about every one of the discounts that you can get.
Making Your Choice
Once you receive your quotes you will want to choose the best quote with a top-rated provider. Almost all comparison websites only deal with A-rated companies, however if you are uncertain about the company you can check its financial rating at StandardAndPoors.com, and see it's customer rating at J.D. Powers site.
Summary
Taking a few minutes of your time to receive price quotes using an insurance comparison site will be well worth your time and energy. In fact, when I used a comparison website to find out if I could obtain a better price on my insurance plan, I ended up saving $640 on my premiums by simply switching companies.
About the Author:
Click the website link which follows to compare Florida home insurance quotes and get the cheapest price. Click on the link that follows to view a video clip that demonstrates how to get low cost Florida homeowners insurance quotes and get the best price.
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