{"id":987,"date":"2013-05-26T16:35:22","date_gmt":"2013-05-26T20:35:22","guid":{"rendered":"http:\/\/rtcinsuranceadvisors.com\/blog\/?p=987"},"modified":"2013-07-04T22:57:44","modified_gmt":"2013-07-05T02:57:44","slug":"cheap-homeowners-insurance-in-florida","status":"publish","type":"post","link":"http:\/\/rtcinsuranceadvisors.com\/blog\/cheap-homeowners-insurance-in-florida\/","title":{"rendered":"Cheap Homeowners Insurance in Florida – A Guide To Lowering Your Rate"},"content":{"rendered":"

Many people want cheap homeowners insurance in Florida<\/strong>.\u00a0 Who really wants to pay a lot for anything?\u00a0 I know I don\u2019t.\u00a0 The beauty about homeowners insurance is that the companies offer a lot of customizable options to help curb the high premium cost.\u00a0 When you receive a quote from an agent, you can always make adjustments.\u00a0 You aren\u2019t stuck with the quoted premium.\u00a0 One of the only main parts of the policy that can\u2019t be adjusted much is Coverage A (Dwelling). This amount needs to be set correctly to best cover your home for a re-build in the event of a loss.\u00a0 Agents use carrier supplied software to calculate the structure coverage.\u00a0 The most common software is 360 Value<\/a>\u00a0or MSB.\u00a0 From your home\u2019s property appraiser record, an agent will input all the values found on the property appraiser record and the software will render a limit of coverage.\u00a0 Here are some ways to lower your rate.<\/p>\n

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Raise Your Deductible \u2013 If you are comfortable with raising your all other perils deductible (AOP) or \u201cfire deductible\u201d from $1,000 to $2,500, you will receive a lower premium.\u00a0 If the replacement cost limit of your home isn\u2019t very high, you might even consider raising your hurricane percentage deductible from 2% to 5%.\u00a0 By raising your hurricane deductible, premiums can be reduced significantly.<\/p>\n

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Get a Wind Mitigation Inspection \u2013 A wind mitigation inspection is not mandatory, but it might be a good idea, especially if you have put on a new roof after 2002 or your roof is gable.\u00a0 Often times, you will receive a large discount for having this inspection completed.\u00a0 Discounts are not guaranteed, but for an average cost of $85 to have the inspection done, it may be worth the risk.<\/p>\n

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Make Sure You are Receiving Your Discounts –\u00a0 Some companies will give a discount for having a good credit score, if retired, burglar and or fire alarms, being in a secured community and much more.\u00a0 Talk with an agent to make sure you are getting all the discounts your deserve.<\/p>\n

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We have many more ideas for you to lower your rate.\u00a0 Please call 352-200-2066<\/strong> or fill out the form below so we can email you a quote.\u00a0 Let us know which company you are with when we speak and we will quote you new coverage.\u00a0 Together, we will tailor your policy for your specific needs.\u00a0 Chances are, you are no longer with a competitively priced company anymore and a switch is warranted.\u00a0 This might be your biggest savings of all.<\/p>\n

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We have access to 37 homeowners insurance companies and cheap homeowners insurance in Florida<\/a><\/strong><\/strong> doesn\u2019t have to be bad insurance.<\/p>\n

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