How To Get A Home Owner Insurance Quote in Florida
As you probably know if you own a home in
Florida, the rates for homeowners insurance in Florida is rising
quickly. The damages from hurricanes in recent years have driven
the rates up to record levels. Some insurance companies have even
ceased offering insurance in this high risk state. This leaves
homeowners in the lurch in the area of coverage for their home.
There is hope, however, so don't despair. Here are some tips to
help you get a great home owner insurance quote in Florida.
One thing that will help you get a good rate on your homeowners
insurance in Florida is your location. If you are situated right
on the beach or close to the ocean, you can expect some pretty
high rates. If you live inland, you are less likely to experience
devastation from hurricanes or major flooding. Policies inland
can be less than half of a similar home close to the ocean. So
be prepared to pay more the closer you are to the water.
A great way to find a good homeowners insurance company in Florida
is to ask your friends and neighbors. This is particularly helpful
if you find someone who has been in their home for a long period
of time, since they have a longer perspective. Talking to someone
who has made a claim with their insurance company can tell you
a lot about speed and service, two very important things. Just
remember, referrals are one of the best ways to find a great service.
One way to get several quotes at once is to chose a site that represents
several different companies. Some of these companies include greatflorida.com
and ChoiceOne Insurance. This way you can put your information
in once and receive multiple quotes. It can also be nice because
you know exactly which companies offer insurance in your area.
It can sometimes be difficult to find an insurance company that
insures high risk areas in Florida. If you prefer a larger brand,
you can always go to that company's website and put in your location.
They should be able to tell you if insurance is available in your
No matter who gives you a quote, you should always verify their
credibility. One way to accomplish this is to contact the National
Association of Insurance Commissioners. You can go to their website,
which is www.naic.org to obtain information about complaints and
ratings for your chosen insurance company. This site can also help
answer any of your questions regarding your home owners insurance policy.
Another thing to keep in mind is that some insurance companies
use your credit as a factor when calculating your premiums. Before
requesting a quote, ask if they do this. If so, be cautious of
putting to many requests out there. Multiple inquiries in a short
period of time can damage your credit score and keep you from getting
the best deal.
If you follow a few simple guidelines, you can get a great quote
on Florida homeowners insurance with a minimum of fuss.