Many people make the same mistake of just going to any Florida insurance agency and then asking for a policy for their new home. These are the kinds of people who are usually taken advantage of by unscrupulous agents who will then proceed to sell the unwary homeowners an insurance policy that is many levels above the kind that they really need. To avoid this from happening, you need some tips to help lower the premium of your FL homeowners insurance.
Though not all insurance agents are shady when offering policies to their clients, you can still end up paying an exorbitant fee for your insurance premiums. Here are some of the things that you can do
so that the insurance agent that is assigned to you will quote you a lower price for the insurance policy that you will need.
Weatherproof Your Home
Florida may be sunny for most of the year, but during the rainy season, it gets hit by a lot of tropical storms and hurricanes due to its extensive coastline. Knowing that at any time torrential downpours and heavy winds will beat down on your house, you should install the necessary safety components to your home to minimize the damage. For instance, if you install storm shutters on your windows and doors, the insurance company will lower the risk of damage to your home by a significant amount, and this will result in lower premiums but still the same kind of service.
Getting More Than One Policy From A Company
This does not mean you have to get two FL homeowners insurance policies for your home. Instead, this tip means that you should get other kinds of insurance packages from the company. It is very likely that the insurance company that you choose is offering more than just home insurance. They might also have auto insurance and life insurance policies as well, both of which are also great investments that you really should get.
Do Not Include The Value Of Your Land
When the insurance agent asks you the total value of your home when computing the premium for your FL homeowners insurance, you should not include the price of the land. Just that of the house itself is enough. This is because whatever kind of disaster may happen to you, whether it’s a man-made disaster like a fire caused by faulty electrical wiring or a natural disaster like flood, your land will not sustain any kind of damage that will require repairs.