Florida's long coastline, coupled with a hurricane season that lasts all year round, makes homeowners insurance one the most important investments. Whether you're new to the state or have been living here for years, it's essential to understand how to protect your home and your family with an effective homeowners insurance policy.
Florida homeowners insurance is on average about 39 per cent more expensive than the average national policy of $1 428. Comparing quotes will help you find the most affordable insurance policy to protect your home and possessions.
You can find the perfect policy by choosing an insurance company in Florida that offers excellent coverage and great customer service. J.D. Power tend to be more financially stable and provide excellent customer service, which can save you money in the long run.
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.
How to improve your credit score
Your credit score has a significant impact on your rate, so improving it is an easy way to lower your premiums. Your credit score can be raised by paying bills on time, and avoiding having high credit card debt.
Consider bundling your policies
Some Florida home insurance companies will offer a discount for insuring your auto and home with them, which can be a huge savings over the course of a year. Bundling your policies can also lower the windstorm portion on your homeowner's coverage.
Add protection devices to your home
Adding a deadbolt, smoke alarm, or burglar alarm can reduce your insurance rates because they lower your risk of theft and fire. You should take extra precautions if you live near a high-risk neighborhood where burglaries are common.
Fortify your home against storms
An inspection by a wind mitigation expert can be helpful in assessing the condition of your siding and roof. A qualified professional can offer advice on how you can lower your homeowners insurance rates by strengthening the wind defenses of your house.
Get a free quote!
Liberty Mutual has been a leading national insurer for more than 100 year and received an A+ rating by AM Best. It is one of the top choices for Florida home insurance, because of their excellent reputation in customer service. They also offer a wide variety of coverage and have a number of discounts.
Be aware that Florida home insurers may not offer all discounts. Make sure to confirm with the company you choose to get the best deal.
Florida homeowners insurance is more expensive than the national average. Tower Hill offers the cheapest Florida homeowners insurance, while Citizens charges higher rates for those with dangerous dog breeds.