how can I get cheap home insurance in florida?

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Asked November 5, 2012

1 Answer


Getting cheap home insurance in Florida will require you to play a participating role. You can shop around to find lower rates, but the final costs are going to depend on you, what you are protecting, and how you have chosen to set up the policy. Shopping for a good insurance company is still important, but you won't see the best rates until you present the least amount of risk to potential insurers.

Make your house less risky by installing a monitored security system, putting up burglar bars and installing deadbolt locks on ground floor windows and doors. Even fencing in your yard will earn you a small discount, and the savings can be amazing when the many small discounts are added together. If you haven't purchased a home yet, look into the location as a way to reduce your insurance costs as well.

Your credit score and CLUE report are both important factors in what you have to pay for insurance. Other factors that will play a part in determining the risk you pose to the insurance company are things such as your age, your marital status and your occupation. Before you buy the home, make sure to get your credit and CLUE reports cleaned up, and your premiums will reflect the effort.

If your policy is written for "full replacement value" rather than "actual cash value," the policy will cost you more, but your home will be restored to its original condition if damage occurs. With actual cash value coverage, settlements are based on the depreciated value of the home, and may only equal a fraction of the full cost.

Shopping for insurance is easier and faster if you do it online. You can tailor a homeowner's package that suits your family's needs, and then compare the cost of that policy between multiple leading insurance companies. When you find a company you like, check with A.M. Best to see how the company rates financially. After all, having home insurance will only help you if the company is strong enough to withstand fluctuations in the financial markets.

Getting cheap home insurance in Florida will require you to play a participating role. You can shop around to find lower rates, but the final costs are going to depend on you, what you are protecting, and how you have chosen to set up the policy. Shopping for a good insurance company is still important, but you won't see the best rates until you present the least amount of risk to potential insurers.

Make your house less risky by installing a monitored security system, putting up burglar bars and installing deadbolt locks on ground floor windows and doors. Even fencing in your yard will earn you a small discount, and the savings can be amazing when the many small discounts are added together. If you haven't purchased a home yet, look into the location as a way to reduce your insurance costs as well.

Your credit score and CLUE report are both important factors in what you have to pay for insurance. Other factors that will play a part in determining the risk you pose to the insurance company are things such as your age, your marital status and your occupation. Before you buy the home, make sure to get your credit and CLUE reports cleaned up, and your premiums will reflect the effort.

If your policy is written for "full replacement value" rather than "actual cash value," the policy will cost you more, but your home will be restored to its original condition if damage occurs. With actual cash value coverage, settlements are based on the depreciated value of the home, and may only equal a fraction of the full cost.

Shopping for insurance is easier and faster if you do it online. You can tailor a homeowner's package that suits your family's needs, and then compare the cost of that policy between multiple leading insurance companies. When you find a company you like, check with A.M. Best to see how the company rates financially. After all, having home insurance will only help you if the company is strong enough to withstand fluctuations in the financial markets.

Answered November 5, 2012 by Anonymous

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