Florida has a long coastline and a year-round hurricane season, making homeowners insurance one of the most important investments you can make. If you are new to Florida or have lived here for many years, it is important to know how to protect yourself and your family by purchasing a homeowners insurance policy.
Florida homeowners insurance is on average about 39 per cent more expensive than the average national policy of $1 428. To compare rates and find a policy that protects your home and valuables, you should get quotes.
Choosing a Florida home insurance company that offers great customer service and coverage is key to finding the right policy for your needs. J.D. Companies that have high scores tend to be more financially stable and provide excellent customer service, which can save you money in the long run. Companies with high scores from J.D.
Check for discounts
Florida home insurers offer discounts to reduce your rate. Included are discounts on new policies, discounts on new homes, and discounts if you install hurricane-protection devices at your home.
Credit score improvement
Credit score is a major factor in determining your insurance rate. Improving it can help you lower your rates. To improve your credit score, pay your bills promptly and avoid carrying high credit card balances.
Consider bundling your policies
You can save a lot of money by insuring you home and car with the same company. It will also reduce the windstorm portion of homeowner's insurance, as a bundle may lower your deductible.
Add protective devices to your home
A burglar alarm, smoke alert, or deadbolt will reduce your insurance premiums because they decrease your risk of theft. You should take extra precautions if you live near a high-risk neighborhood where burglaries are common.
Fortify your home against hurricanes
A wind mitigation inspector will be able to assess the condition and roof of your home. A qualified expert will also give you tips to reduce your homeowner's policy rate by improving the wind protection of your home.
Get a free quote!
Liberty Mutual, a national top-rated insurer, has more than 100 years' experience and an AM Best A+ rating. It's one of our top recommendations for home insurance in Florida because it has a great reputation for customer service, offers an array of coverage options and has a suite of discounts that can help you pay less.
You should be aware that not all Florida insurance companies offer all these discounts. Check with each individual company to make sure you are getting the maximum benefit.
Although the cost of homeowners insurance in Florida isn't bad, it is still higher than average. This should be taken into consideration. Tower Hill provides the lowest Florida homeowners insurance rates. Citizens is the most expensive for owners of dangerous dog breeds.