Your home is a huge financial investment. It can be the largest financial investment you will ever make, so you want to be sure to protect that investment by buying homeowners insurance without spending an arm and a leg to obtain it. Therefore the question is where can you get the cheapest Florida home insurance quotes with a top-rated provider?
The answer is no further away than your computer.
Your house is a huge investment. It can be the biggest financial investment you will make, so you'll want to ensure you protect that investment by buying homeowners insurance without having to spend 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 rated provider?
The answer is no further away than your computer. Thanks to the Internet, you can obtain multiple insurance quotes from the top companies by simply going to an insurance comparison Internet site. All you need to do when you arrive at one of these websites is fill out a very simple questionnaire with information about your home, along with the amount and type of insurance protection you need. Once you submit your questionnaire you'll receive price quotes coming from several top-rated companies eager to get your business.
Getting Started
You should have the following information handy whenever you go to a comparison website to get your quotes . . .
- The square footage of your house
- When your home was built
- How far away the nearest fire hydrant is
- Building details about your house, including the type of foundation, walls, and roof
- How much homeowners coverage plus personal property coverage you'll need
- How big of a deductible you would like
- The security features you have including deadbolts, smoke alarms, fire extinguishers, and home alarm systems
Suggestions For Getting The Cheapest Quote
To obtain the most affordable home insurance quotes, follow these guidelines:
- When entering your deductible (the amount you have to pay before your insurance plan takes over) make it as high as you are able to afford. The normal deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you'll save as much as 15% on your insurance policy. If you increase it to $1,000 you can save as much as 25%, and if you increase it to $2,500 you can save as much as 30%. Just be sure you can afford the deductible should you need to file a claim.
- Don't set your coverage amount too high. Use the building cost of your home, not the appraised value , because the appraised value includes the value of your land. To determine how much it will cost to rebuild your home, get an estimate from a local contractor or even a realtor. To get an estimate of how much all your personal possessions are worth, take an inventory of all your possessions including your home appliances, your clothes, all your furniture, plus anything else you own which isn't a part of your home.
- Obtain all the discounts you are eligible for. Florida insurance companies offer numerous discounts such as senior citizen discounts if you are 55 or older and retired, mult-policy discounts in case you have your house and car insured with the same company, and non-smoker discounts if no one at your residence smokes.
Little Known Discounts
There are a variety of discounts you might never have heard of such as discounts for certain professions like fire fighters or military personnel, and discounts for residing in a gated community or being associated with a home owners association. Before selecting a policy make sure to ask your agent about all the discounts that are available.
Selecting A Company
After you get your price quotes you'll want to choose the best quote with a top-rated provider. Comparison sites normally work with companies which have an "A" rating or higher. But if you want to have a look at a company's rating go to JDPowers.com to check its customer rating, and Standard and Poors website to check out their financial rating.
In A Nutshell
It'll only take a few minutes of your time to receive a cheap price quote with a top company through a comparison site and, believe me, it will be worth it. In fact, when I used a comparison site to find out if I could obtain a better price on my insurance plan, I ended up saving $640 on my monthly payments simply by switching companies.
The answer is no further away than your computer.
Your house is a huge investment. It can be the biggest financial investment you will make, so you'll want to ensure you protect that investment by buying homeowners insurance without having to spend 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 rated provider?
The answer is no further away than your computer. Thanks to the Internet, you can obtain multiple insurance quotes from the top companies by simply going to an insurance comparison Internet site. All you need to do when you arrive at one of these websites is fill out a very simple questionnaire with information about your home, along with the amount and type of insurance protection you need. Once you submit your questionnaire you'll receive price quotes coming from several top-rated companies eager to get your business.
Getting Started
You should have the following information handy whenever you go to a comparison website to get your quotes . . .
- The square footage of your house
- When your home was built
- How far away the nearest fire hydrant is
- Building details about your house, including the type of foundation, walls, and roof
- How much homeowners coverage plus personal property coverage you'll need
- How big of a deductible you would like
- The security features you have including deadbolts, smoke alarms, fire extinguishers, and home alarm systems
Suggestions For Getting The Cheapest Quote
To obtain the most affordable home insurance quotes, follow these guidelines:
- When entering your deductible (the amount you have to pay before your insurance plan takes over) make it as high as you are able to afford. The normal deductible for Florida homeowners insurance quotes is $250. If you increase it to $500 you'll save as much as 15% on your insurance policy. If you increase it to $1,000 you can save as much as 25%, and if you increase it to $2,500 you can save as much as 30%. Just be sure you can afford the deductible should you need to file a claim.
- Don't set your coverage amount too high. Use the building cost of your home, not the appraised value , because the appraised value includes the value of your land. To determine how much it will cost to rebuild your home, get an estimate from a local contractor or even a realtor. To get an estimate of how much all your personal possessions are worth, take an inventory of all your possessions including your home appliances, your clothes, all your furniture, plus anything else you own which isn't a part of your home.
- Obtain all the discounts you are eligible for. Florida insurance companies offer numerous discounts such as senior citizen discounts if you are 55 or older and retired, mult-policy discounts in case you have your house and car insured with the same company, and non-smoker discounts if no one at your residence smokes.
Little Known Discounts
There are a variety of discounts you might never have heard of such as discounts for certain professions like fire fighters or military personnel, and discounts for residing in a gated community or being associated with a home owners association. Before selecting a policy make sure to ask your agent about all the discounts that are available.
Selecting A Company
After you get your price quotes you'll want to choose the best quote with a top-rated provider. Comparison sites normally work with companies which have an "A" rating or higher. But if you want to have a look at a company's rating go to JDPowers.com to check its customer rating, and Standard and Poors website to check out their financial rating.
In A Nutshell
It'll only take a few minutes of your time to receive a cheap price quote with a top company through a comparison site and, believe me, it will be worth it. In fact, when I used a comparison site to find out if I could obtain a better price on my insurance plan, I ended up saving $640 on my monthly payments simply by switching companies.
About the Author:
Click on the website link which follows in order to compare Florida homeowners insurance rates and receive the most affordable rate. Click the website link that follows to view a video which demonstrates how to get low cost Florida homeowners insurance rates and get the lowest quote.
No comments:
Post a Comment