{"id":1173,"date":"2013-06-13T12:41:38","date_gmt":"2013-06-13T16:41:38","guid":{"rendered":"http:\/\/rtcinsuranceadvisors.com\/blog\/?p=1173"},"modified":"2026-05-16T21:58:16","modified_gmt":"2026-05-17T01:58:16","slug":"cheapest-homeowners-insurance-in-florida","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/cheapest-homeowners-insurance-in-florida\/","title":{"rendered":"Cheapest Homeowners Insurance in Florida"},"content":{"rendered":"

So you want to locate the cheapest homeowners insurance in Florida. Are these policies really available? Absolutely! The key is knowing where to find them. We will show you where to locate the cheapest homeowners insurance in Florida<\/strong><\/a> in this article.\u00a0 Let\u2019s talk about the main scope of a Florida home owners policy.<\/p>\n

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The Building Section<\/p>\n

If your home suffers a loss, this section will provide money to you to have it reconstructed. In other articles, we’ve said the easiest way to figure out the limit of coverage would be to take the heated\"cheapest square footage and multiply this number by $100.\u00a0 Add another twenty-five thousand for an attached garage and another twenty-five thousand for a pool.<\/p>\n

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The Contents Section<\/p>\n

This part of your policy will repay you for items lost such as the easy chair and the refrigerator. Listing all your owned items (with images or in an excel database) will help you get a claim paid faster in the event of a loss. There are separate endorsements or policies you could attain to cover more valuable items over and above what your regular homeowners policy will pay.<\/p>\n

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The Liability Section<\/p>\n

Part C of your policy will cover you if someone’s else is hurt by you.\u00a0 This is also true if you wreck someone’s belongings. This section covers litigation costs for you too. We recommend going with $300,000 in liability coverage to be safe. If this limit is not enough for you, consider purchasing an umbrella policy.<\/p>\n

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Additional Living Expense Section<\/p>\n

ADL stands for additional living expense.\u00a0 This coverage will help you rent a house or apartment while you wait for your home to be rebuilt. It comes with the policy and gives piece of mind, removing the thought that one may be on the street if a house is lost.<\/p>\n

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Consider flood insurance because there may be cases where a storm did not do structural damage, but the rising water might have caused your home damage.\u00a0 Flood insurance would likely be needed for this type of claim.<\/p>\n

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Now for the ways to find the cheapest homeowners insurance in Florida<\/em>. You will see a wide variance in premiums from carrier to carrier. The best thing to do to get the lowest premium is to check with RTC Insurance Advisors. We can filter all the carriers to find the one that has the best rate in your area.\u00a0 All our carriers are A rated, so we are comparing like policies amongst the best companies.\u00a0 You can further customize your policy such as raising its deductible or lowering certain coverage’s you don’t need to make your rate cheap.\u00a0 Our phone number is 352-200-2066<\/strong>. Agents are ready to help you.\u00a0 Or, you can fill out the quote request below and we will email you choices.<\/p>\n