Your Florida home is one of the biggest investments you'll ever make. It is a big investment so you will want to protect it with homeowner's insurance, but without spending too much. So the question is where are you able to obtain the lowest Florida homeowners insurance quotes with a top-rated company?
Actually the answer to that question is actually right in front of you.
Your house is a big financial investment. It might be the largest financial investment you'll ever make, so you should ensure that you protect that financial investment by purchasing home insurance without having to spend an arm and a leg to obtain it. Therefore the question is exactly where are you able to get the lowest Florida homeowners insurance quotes with a top-rated insurer?
The answer is no further away than your computer. Thanks to the Internet, you can get numerous insurance quotes from the best providers by simply going to an online insurance comparison site. At these websites you'll complete a basic questionnaire with information about your home as well as your insurance needs. Once you submit your questionnaire you will get price quotes from numerous top-rated providers eager to get your business.
Information You Need To Help You Get Started
You should have the following information on hand whenever you go to a comparison website to get your price quotes . . .
- Your house's square footage
- The year your home was constructed
- How far away the closest fire hydrant is
- Building information about the house, like the type of foundation, walls, and roof
- How much homeowners coverage plus personal property coverage you would like
- The amount of the deductible you'd like
- Any safety and security features that you have in your house such as security systems, smoke detectors, and fire extinguishers
Obtaining The Lowest Price Quote
To get the best homeowners insurance quotes, follow these suggestions:
- Set your deductible as high as you are able to afford. The deductible is the amount you pay on a claim before your insurance begins to pay. The default deductible on Florida home insurance quotes is typically $250, but if you raise it to $500 you can save up to 15% on your monthly premiums. Raise it to $1,000 and you'll save up to 25% on your monthly premiums. And if you raise it to $2,500 you can save up to 30%. The caveat here is to make sure you can pay for the increased deductible.
- Don't set your coverage 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 rebuild your home from a contractor or a real estate agent. To get an estimate of how much all your personal possessions are worth, take an inventory of all your personal property including your kitchen appliances, your clothes, your household furniture, and everything else you own which isn't part of your home.
- Obtain all of the discounts you are eligible for. Florida insurance companies offer a number of discounts including senior citizen discounts if you are 55 or older and retired, mult-policy discounts if you have your house and auto insured with the same company, and non-smoker discounts if no one at your residence smokes.
Inquire About Other Discounts
There are a variety of discounts you may never have heard of such as discounts for specific occupations like fire fighters and armed service personnel, and discounts for living in a gated community or being associated with a home owners association. Before choosing a policy be sure to ask your agent about all of the discounts that you can get.
Choosing A Company
After you get your price quotes you will want to choose the best quote with a top-rated company. You will want a company that has an "A" rating or greater. Nearly all comparison websites only deal with A-rated companies, but if you're uncertain about the company you can check its financial rating at StandardAndPoors.com, and find out it's customer rating at J.D. Powers website.
Conclusion
Taking a few minutes of your time to acquire price quotes using an insurance comparison website will be well worth your time and energy. In fact, when I used a comparison site to see if I could get a better rate on my insurance policy, I ended up saving $640 on my premiums simply by switching companies.
Actually the answer to that question is actually right in front of you.
Your house is a big financial investment. It might be the largest financial investment you'll ever make, so you should ensure that you protect that financial investment by purchasing home insurance without having to spend an arm and a leg to obtain it. Therefore the question is exactly where are you able to get the lowest Florida homeowners insurance quotes with a top-rated insurer?
The answer is no further away than your computer. Thanks to the Internet, you can get numerous insurance quotes from the best providers by simply going to an online insurance comparison site. At these websites you'll complete a basic questionnaire with information about your home as well as your insurance needs. Once you submit your questionnaire you will get price quotes from numerous top-rated providers eager to get your business.
Information You Need To Help You Get Started
You should have the following information on hand whenever you go to a comparison website to get your price quotes . . .
- Your house's square footage
- The year your home was constructed
- How far away the closest fire hydrant is
- Building information about the house, like the type of foundation, walls, and roof
- How much homeowners coverage plus personal property coverage you would like
- The amount of the deductible you'd like
- Any safety and security features that you have in your house such as security systems, smoke detectors, and fire extinguishers
Obtaining The Lowest Price Quote
To get the best homeowners insurance quotes, follow these suggestions:
- Set your deductible as high as you are able to afford. The deductible is the amount you pay on a claim before your insurance begins to pay. The default deductible on Florida home insurance quotes is typically $250, but if you raise it to $500 you can save up to 15% on your monthly premiums. Raise it to $1,000 and you'll save up to 25% on your monthly premiums. And if you raise it to $2,500 you can save up to 30%. The caveat here is to make sure you can pay for the increased deductible.
- Don't set your coverage 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 rebuild your home from a contractor or a real estate agent. To get an estimate of how much all your personal possessions are worth, take an inventory of all your personal property including your kitchen appliances, your clothes, your household furniture, and everything else you own which isn't part of your home.
- Obtain all of the discounts you are eligible for. Florida insurance companies offer a number of discounts including senior citizen discounts if you are 55 or older and retired, mult-policy discounts if you have your house and auto insured with the same company, and non-smoker discounts if no one at your residence smokes.
Inquire About Other Discounts
There are a variety of discounts you may never have heard of such as discounts for specific occupations like fire fighters and armed service personnel, and discounts for living in a gated community or being associated with a home owners association. Before choosing a policy be sure to ask your agent about all of the discounts that you can get.
Choosing A Company
After you get your price quotes you will want to choose the best quote with a top-rated company. You will want a company that has an "A" rating or greater. Nearly all comparison websites only deal with A-rated companies, but if you're uncertain about the company you can check its financial rating at StandardAndPoors.com, and find out it's customer rating at J.D. Powers website.
Conclusion
Taking a few minutes of your time to acquire price quotes using an insurance comparison website will be well worth your time and energy. In fact, when I used a comparison site to see if I could get a better rate on my insurance policy, I ended up saving $640 on my premiums simply by switching companies.
About the Author:
Click the link which follows in order to compare Florida homeowners insurance rates and get the lowest priced price. Click on the website link that follows to see a video which demonstrates how to get cheap Florida homeowners insurance rates and get the most affordable rate.
0 commentaires:
Enregistrer un commentaire