Florida has a large coastline and hurricane season all year long, so homeowners insurance is one of the best investments you can make. 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. To compare rates and find a policy that protects your home and valuables, you should get quotes.
Finding the best Florida home insurance policy is all about choosing a company with great customer service. J.D. Power gives good ratings to companies. Power tend to have a more stable financial situation and offer excellent customer service. This can help you save money over time.
Check for discounts
There are many Florida insurance companies that offer discounts on home insurance. These discounts could lower your rates. There are discounts for new customers, homeowners, and those who install hurricane protection devices in their homes.
You can improve your credit rating
It is easy to reduce your premiums by improving your credit score. By paying your credit card bills on time and by avoiding high debts, you can improve your credit rating.
Consider bundling your policies
Many Florida home insurance providers offer discounts for insuring both your home and auto with them. This can result in a significant savings over the course a year. It will also reduce the windstorm portion of homeowner's insurance, as a bundle may lower your deductible.
Add home safety devices
A deadbolt, smoke detector, or burglar alarm will lower your insurance rate because they reduce the risk of theft and fire. If you live in an area where burglaries occur frequently, it's important to take these precautions.
Fortify your house against storms
You can assess your roof and siding by having your home inspected. An expert can provide you with tips on how to lower your homeowner's rate by improving your home's defenses against wind.
Get a free quote!
Liberty Mutual is one of the top-rated insurance companies in the country. It has over 100 years experience, and AM Best gives it an A+. 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 has some of the cheapest Florida home insurers, while Citizens' rates are higher for homeowners who have dangerous dog types.