Friday, November 22, 2013

The Best Place To Compare Florida Homeowners Insurance To Obtain The Best Rate

By Brian Stevens


Your home is a major investment. It could be the largest investment you will make, so you want to be sure you protect that financial investment by buying homeowners insurance without spending an arm and a leg to obtain it. And so the question is exactly where are you able to obtain the most affordable Florida homeowners insurance rates with a top-rated company?

The answer is no further away than your own computer.

Your Florida home is among the biggest purchases you'll ever make. It's a major financial investment so you will want to safeguard it with home insurance, but without spending too much. But where can you get the best deal on Florida homeowners insurance with a leading provider?

The answer to that question is right in front of you. You can go online to an insurance comparison website and acquire fast Florida homeowners insurance price quotes. At these websites you will complete a basic questionnaire with information regarding your home as well as your insurance needs. You only need to fill out this questionnaire once to obtain fast, accurate quotes coming from a number of different insurance companies.

Getting Started

You want to have the following information handy when you go to a comparison website to get your price quotes . . .

- The square footage of your home

- The year your house was built

- The distance to the closest fire hydrant

- Building information regarding your house, including the type of foundation, walls, and roof

- The amount of coverage you would like

- How large of a deductible you want

- All the safety features that you have in your home like alarm systems, smoke detectors, and fire extinguishers

Suggestions For Obtaining The Lowest Priced Quote

In order to decrease your premium even more, do the following:

- When entering your deductible (the total amount you have to pay before your insurance plan kicks in) make it as high as you can afford. The basic deductible for Florida home insurance quotes is $250. If you increase it to $500 you will save up to 15% on your insurance policy. Raise it to $1,000 and you'll save up to 25% on your monthly payments. And if you increase it to $2,500 you will save up to 30%. Just make sure you can afford the deductible should you ever need to file a claim.

- Don't set your coverage amount too high. Use the actual construction cost of your home, not the appraised value of your home, since the appraised value includes the value of your land. To determine how much it would cost to reconstruct your house, obtain an estimate from a local builder or a realtor. To get an estimate of how much all your personal belongings are worth, take an inventory of all your possessions including all your appliances, your clothing, all your furniture, and also anything else you own which isn't part of your house.

- Apply for all the discounts you're qualified to receive. Florida insurance providers offer various discounts such as senior discounts if you're 55 or older and retired, mult-policy discounts if you've got your house and auto insured with the same company, plus non-smoker discounts if nobody in your house smokes.

Little Known Discounts

There are a variety of discounts you may never have heard of such as discounts for particular professions like fire fighters or military personnel, and discounts for living in a gated community or being associated with a home owners association. Before you purchase your policy make sure to ask your agent about all the discounts that are available.

Selecting A Company

After you have a number of Florida home insurance quotes, you will need to choose a company with the very best price quote. You will want a company that has an "A" rating or better. Most comparison sites only deal with A-rated companies, but if you are uncertain about the company you should check its financial rating at StandardAndPoors.com, and find out it's consumer rating at J.D. Powers site.

In A Nutshell

Taking a few minutes of your time to acquire quotes using an insurance comparison site will be well worth your time. Case in point, I was able to save $640 on my homeowners insurance plan using a comparison site.

[See how get affordable Florida homeowners insruance]





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