{"id":2363,"date":"2014-09-18T08:07:17","date_gmt":"2014-09-18T12:07:17","guid":{"rendered":"http:\/\/rtcinsuranceadvisors.com\/blog\/?p=2363"},"modified":"2026-07-21T07:31:12","modified_gmt":"2026-07-21T11:31:12","slug":"cheap-florida-homeowners-insurance-what-you-need-to-know-about-it","status":"publish","type":"post","link":"https:\/\/rtcinsuranceadvisors.com\/blog\/cheap-florida-homeowners-insurance-what-you-need-to-know-about-it\/","title":{"rendered":"Cheap Florida Homeowners Insurance: What You Need To Know About It"},"content":{"rendered":"<p align=\"justify\">Florida is a crowd magnet not only because of the weather but also because of the sightseeing opportunities it offers. Many vacationers eventually consider moving to the Sunshine State. However, living in Florida isn\u2019t always fun \u2014 the state is vulnerable to both natural and man\u2011made disasters. If your decision to move came suddenly, it\u2019s worth slowing down and preparing properly.<\/p>\n<p align=\"justify\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-content\/uploads\/2014\/09\/cheap-florida-homeowners-insurance.jpg\" alt=\"Cheap Florida Homeowners Insurance\" width=\"1280\" height=\"821\" style=\"display:block;margin:0 auto;border:0;\"><\/p>\n<p align=\"justify\">Part of that preparation includes buying <strong>cheap Florida homeowners insurance<\/strong>. Some call it a luxury, but in a disaster\u2011prone state, it\u2019s a necessity. Educating yourself on how homeowners insurance works ensures you get the right coverage. Start by confirming your home has suitable protection \u2014 knowing what your policy includes (and excludes) helps you avoid gaps and ensures real value.<\/p>\n<div id=\"rtci-wrapper\" style=\"all:unset;display:block;\">\r\n\r\n<style>\r\n\/* Namespaced so nothing else on the site can interfere *\/\r\n.rtci-step { display:none; }\r\n.rtci-step.rtci-active { display:block; }\r\n\r\n.rtci-form {\r\n  max-width:600px;\r\n  margin:0 auto;\r\n}\r\n\r\n.rtci-row {\r\n  margin-bottom:15px;\r\n}\r\n\r\n.rtci-row label {\r\n  display:block;\r\n  font-weight:bold;\r\n  margin-bottom:5px;\r\n}\r\n\r\n.rtci-row input,\r\n.rtci-row select,\r\n.rtci-row textarea {\r\n  width:100%;\r\n  padding:10px;\r\n  font-size:16px;\r\n}\r\n\r\n.rtci-next,\r\n.rtci-prev,\r\n.rtci-submit {\r\n  padding:12px 20px;\r\n  font-size:16px;\r\n  margin-top:10px;\r\n  cursor:pointer;\r\n}\r\n<\/style>\r\n\r\n<div class=\"rtci-form\">\r\n  <h2>Request a Homeowners Insurance Quote<\/h2>\r\n\r\n<style>\r\ninput:focus,\r\ntextarea:focus,\r\nselect:focus {\r\n    outline: none !important;\r\n    border: 2px solid #007bff !important;\r\n    box-shadow: 0 0 4px rgba(0, 123, 255, 0.4) !important;\r\n    transition: border-color 0.2s ease, box-shadow 0.2s ease;\r\n}\r\n<\/style>\r\n\r\n  <form id=\"rtci-home-form\" action=\"\/blog\/forms\/send-homeowners.php\" method=\"POST\">\r\n\r\n    <!-- Honeypot -->\r\n    <input type=\"text\" name=\"website\" style=\"display:none;\">\r\n\r\n    <!-- STEP 1 -->\r\n    <div class=\"rtci-step rtci-active\">\r\n      <div class=\"rtci-row\">\r\n        <label>First Name *<\/label>\r\n        <input type=\"text\" name=\"first_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Last Name *<\/label>\r\n        <input type=\"text\" name=\"last_name\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Phone *<\/label>\r\n        <input type=\"text\" name=\"phone\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Email *<\/label>\r\n        <input type=\"email\" name=\"email\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Street Address *<\/label>\r\n        <input type=\"text\" name=\"street\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>City *<\/label>\r\n        <input type=\"text\" name=\"city\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>State *<\/label>\r\n        <input type=\"text\" name=\"state\" value=\"FL\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>ZIP Code *<\/label>\r\n        <input type=\"text\" name=\"zip\" required>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 2 -->\r\n    <div class=\"rtci-step\">\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Number of Stories *<\/label>\r\n        <input type=\"text\" name=\"stories\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Square Footage *<\/label>\r\n        <input type=\"text\" name=\"square_feet\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Construction Type *<\/label>\r\n        <select name=\"construction\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Block\">Block<\/option>\r\n          <option value=\"Frame\">Frame<\/option>\r\n          <option value=\"Other\">Other<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Roof Year *<\/label>\r\n        <input type=\"text\" name=\"roof_year\" required>\r\n      <\/div>\r\n\r\n      <!-- \u2b50 NEW FIELD HERE \u2b50 -->\r\n<div class=\"rtci-row\">\r\n  <label>What Type of Policy Do You Need? *<\/label>\r\n  <select name=\"policy_type\" required>\r\n    <option value=\"\">Select<\/option>\r\n    <option value=\"Primary Home (HO-3)\">Primary Home (HO\u20113)<\/option>\r\n    <option value=\"Secondary Home (HO-3)\">Secondary Home (HO\u20113)<\/option>\r\n    <option value=\"Condo Unit-Owners (HO-6)\">Condo Unit\u2011Owners (HO\u20116)<\/option>\r\n    <option value=\"Tenant Occupied Home (DP-3)\">Tenant Occupied Home (DP\u20113)<\/option>\r\n    <option value=\"Flood Only\">Flood Only<\/option>\r\n    <option value=\"Flood + Homeowners\">Flood + Homeowners<\/option>\r\n  <\/select>\r\n<\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 3 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Any claims in the last 5 years? *<\/label>\r\n        <select name=\"claims\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"Yes - 1 claim\">Yes - 1 claim<\/option>\r\n          <option value=\"Yes - 2 claims\">Yes - 2 claims<\/option>\r\n          <option value=\"Yes - 3+ claims\">Yes - 3+ claims<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Current Insurance Status *<\/label>\r\n        <select name=\"current_insurance\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"Yes\">Yes<\/option>\r\n          <option value=\"No\">No<\/option>\r\n          <option value=\"New Purchase\">New Purchase<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"button\" class=\"rtci-next\">Next<\/button>\r\n    <\/div>\r\n\r\n    <!-- STEP 4 -->\r\n    <div class=\"rtci-step\">\r\n      <div class=\"rtci-row\">\r\n        <label>Desired Dwelling Limit *<\/label>\r\n        <input type=\"text\" name=\"dwelling_limit\" required>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Liability Limit *<\/label>\r\n        <select name=\"liability_limit\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$100,000\">$100,000<\/option>\r\n          <option value=\"$300,000\">$300,000<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Hurricane Deductible *<\/label>\r\n        <select name=\"hurricane_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"2%\">2%<\/option>\r\n          <option value=\"5%\">5%<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>All Other Perils Deductible *<\/label>\r\n        <select name=\"aop_deductible\" required>\r\n          <option value=\"\">Select<\/option>\r\n          <option value=\"$500\">$500<\/option>\r\n          <option value=\"$1000\">$1000<\/option>\r\n          <option value=\"$2500\">$2500<\/option>\r\n        <\/select>\r\n      <\/div>\r\n\r\n      <div class=\"rtci-row\">\r\n        <label>Additional Notes<\/label>\r\n        <textarea name=\"notes\" rows=\"4\"><\/textarea>\r\n      <\/div>\r\n\r\n      <button type=\"button\" class=\"rtci-prev\">Previous<\/button>\r\n      <button type=\"submit\" class=\"rtci-submit\">Submit Quote<\/button>\r\n    <\/div>\r\n\r\n  <\/form>\r\n<\/div>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", function() {\r\n\r\n  const steps = document.querySelectorAll(\".rtci-step\");\r\n  const nextBtns = document.querySelectorAll(\".rtci-next\");\r\n  const prevBtns = document.querySelectorAll(\".rtci-prev\");\r\n  let currentStep = 0;\r\n\r\n  function scrollToForm() {\r\n    const formTop = document.querySelector(\".rtci-form\").offsetTop;\r\n    window.scrollTo({ top: formTop - 20, behavior: \"smooth\" });\r\n  }\r\n\r\n  function showStep(n) {\r\n    steps.forEach(step => step.classList.remove(\"rtci-active\"));\r\n    steps[n].classList.add(\"rtci-active\");\r\n    scrollToForm();\r\n  }\r\n\r\n  nextBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep < steps.length - 1) {\r\n        currentStep++;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n  prevBtns.forEach(btn => {\r\n    btn.addEventListener(\"click\", () => {\r\n      if (currentStep > 0) {\r\n        currentStep--;\r\n        showStep(currentStep);\r\n      }\r\n    });\r\n  });\r\n\r\n});\r\n<\/script>\r\n\r\n<\/div>\n<p align=\"justify\">Pay close attention to deductibles when filing a claim. A low premium matters, but so does the financial strength of the insurance company you\u2019re considering. Comparing policies can feel overwhelming at first, but understanding the basics puts you on the right track.<\/p>\n<p align=\"justify\">Before committing to a policy, take time to look around. Online guidance and insurance professionals can help you understand which coverages are essential and which ones you can skip. Don\u2019t overload your policy \u2014 being over\u2011insured means paying more than necessary. Online quotes provide quick estimates, but final premiums depend on your home\u2019s details and the coverage you select.<\/p>\n<p align=\"justify\">Compare prices from at least three companies to find <a href=\"https:\/\/rtcinsuranceadvisors.com\/florida_home_insurance_quote.htm\"><strong>cheap Florida homeowners insurance<\/strong><\/a> that fits your needs. If anything in the policy is unclear, ask questions \u2014 understanding your coverage is the key to protecting your home and your peace of mind.<\/p>\n<p align=\"justify\"><em>Updated May 2026<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Florida is a crowd magnet not only because of the weather but also because of the sightseeing opportunities it offers. Many vacationers eventually consider moving to the Sunshine State. However, living in Florida isn\u2019t always fun \u2014 the state is vulnerable to both natural and man\u2011made disasters. If your decision to move came suddenly, it\u2019s&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[3],"tags":[330],"class_list":["post-2363","post","type-post","status-publish","format-standard","hentry","category-homeowners-insurance","tag-cheap-florida-homeowners-insurance"],"_links":{"self":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2363","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/comments?post=2363"}],"version-history":[{"count":3,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2363\/revisions"}],"predecessor-version":[{"id":3365,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/posts\/2363\/revisions\/3365"}],"wp:attachment":[{"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/media?parent=2363"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/categories?post=2363"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rtcinsuranceadvisors.com\/blog\/wp-json\/wp\/v2\/tags?post=2363"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}