Your house is a large investment. It could be the largest financial investment you will make, so you should ensure that you protect that financial investment by buying home insurance without spending an arm and a leg to get it. And so the question is where is it possible to obtain the cheapest Florida homeowners insurance quotes with a top-rated provider?

The answer is no further away than your own computer.

Your home is an enormous financial investment. It can be the largest financial investment you’ll ever make, so you want to make sure you safeguard that investment by getting homeowners insurance without having to spend an arm and a leg to get it. Therefore the question is where are you able to obtain the most affordable Florida homeowners insurance rates with a top-rated insurer?

Actually the answer to that question is actually right in front of you. Thanks to the Internet, you can get multiple insurance quotes from the best providers by simply going to an online insurance comparison site. At these sites you’ll complete a simple questionnaire with information about your home as well as your insurance requirements. After you submit your questionnaire you will get quotes coming from multiple top-rated companies wanting to get your business.

Information You Will Need To Get Started

You should have the following information on hand when you visit a comparison site to get your price quotes . . .

– Your house’s square footage

– The actual year your home was built

– How far away the nearest fire hydrant is

– Building details about your house, like the type of foundation, walls, and roof

– How much homeowners coverage and personal property coverage you will need

– The amount of the deductible you’d like

– All the safety and security features that you have in your house including alarm systems, smoke detectors, and fire extinguishers

Guidelines For Obtaining The Lowest Priced Price Quote

To obtain the lowest priced homeowners insurance quotes, follow these tips:

– When entering your deductible (the amount you must pay before your insurance plan takes over) make it as high as you are able to afford. The default deductible on Florida homeowners insurance quotes is usually $250, but if you increase it to $500 you can save as much as 15% on your premiums. If you increase it to $1,000 you’ll save as much as 25%, and if you increase it to $2,500 you can save as much as 30%. The caveat here is to make sure you can afford the increased deductible.

– Do not set your coverage amount too high. Use the actual construction cost of your home, not the appraised value , because the appraised value includes the value of your land. Get an estimate of how much it will cost to reconstruct your house from a building contractor or even a realtor. To get an estimate of how much your personal belongings are worth, take an inventory of your possessions including all your kitchen appliances, your clothes, your furniture, and also everything else you own which isn’t part of your home.

– Request every one of the discounts you are eligible to receive. Florida insurance companies offer numerous discounts such as senior citizen discounts if you’re 55 or older and retired, mult-policy discounts in case you have your house and auto insured with the same company, and non-smoker discounts if no one in your home smokes.

Little Known Discounts

Insurance companies have a host of lesser known discounts that you might not be aware of like a 5% to 10% discount if you reside inside of a gated community, and a 5% to 10% discount if you are associated with a home owners association. Before you buy your policy remember to ask your agent about each of the discounts that are available.

Choosing A Company

Once you have several Florida homeowners insurance price quotes, you need to select a company with the best price quote. Almost all comparison websites 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.

Conclusion

Taking a few minutes of your time to get quotes using an insurance comparison site will be well worth your time and energy. In fact, when I used a comparison site to see if I could get a better price on my insurance, I ended up saving $640 on my monthly premiums by switching companies.

Click the link that follows to compare Florida home insurance quotes and get the lowest priced rate. Click the website link that follows to look at a video recording which shows you how to get affordable Florida homeowners insurance quotes and get the lowest cost quote.