Having homeowners insurance is such a relief for your precious home and, of course, for you who has spent most of your money and time to beautify it. But having such type of property insurance is not the real challenge here as you can indeed find a number of companies that offer this service. The real challenge is to find cheap homeowners insurance that will undeniably give you more relief as you can save more money. To fulfill that challenge of getting lower premiums, here are Florida homeowners insurance tips:
Florida homeowners insurance tips – #1 Shop around
The internet is your best friend in finding home insurance companies that offer affordable premiums. Collect home insurance firms’ quotes and compare them to wisely decide which one of these companies you have to go with. Asking your friends, office mates, and relatives is also a good idea to gather more information not just on the pricing but also on the credibility of certain home insurance firms.
Florida homeowners insurance tips – #2 Set up security devices
Most homeowners’ insurance companies give significant discounts for houses with security devices such as fire extinguishers, smoke detectors, security alarms, a sprinkler system, dead-bolt locks, and window locks. It is in fact one of the best Florida homeowners insurance tips as it doesn’t only decrease the cost of home insurance; it also provides protection for you and your family.
Florida homeowners insurance tips – #3 Increase your deductibles
Raising the deductibles on your home insurance coverage sounds like increasing what you have to pay directly for your insurer, but it can bring you as much as a 40% discount on the cost of the service.
Florida homeowners insurance tips – #4 Don’t smoke
Statistics reveal that smoking has a huge probability to cause fire, especially at home. And thus, if you are a smoker, your insurance company has the right to increase your premium. But if you’re not, you can expect additional discounts for that.
Florida homeowners insurance tips – #5 Consolidate your insurance policies
Buying your homeowners insurance policy and car insurance policy from the same insurance firm is a good choice to have 15% off on your insurance premiums per year.
Florida homeowners insurance tips – #6 Get more discounts if you’re 55 and above
Most home insurance companies give 5 to 10% discounts for homeowners who belong to that age bracket since they spend most of their time at their home and will always be there to protect it.
Since you’re already aware of these Florida homeowners insurance tips, perhaps you’re now confident enough to purchase such service. Just make sure you fulfill these tips and you’ll surely get lower premiums for your future home insurance firm. We’ll show you the best rates. Simply answer these questions and see which company is offering you the best rate.