Affordable Florida Homeowners Insurance -- Sure-Fire Recommendations

With the right advice you'll get cheaper rates for sufficient coverage. But also note that you could make savings if you use the wrong tips. The only difference is that you'd put yourself at risk. Here are some proven ways to get cheaper rates without putting yourself at risk...

1. There are fire and security that that are monitored 24/7. Apart from the peace of mind you will have in knowing your house is under constant surveillance by competent professionals, you'll enjoy more affordable Florida home insurance rates. This can reduce your rate by more than 25% depending on your insurance carrier.

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2. You'll save if you get all your policies from the same insurance company. This is called a multi-policy discount and is given by all insurers. Nevertheless, you might be better served by obtaining your policies from various insurers.

Let me make this easier to understand...

Let's assume that you have a total of 4 insurance policies: Life, health, auto and home. You can expect a considerable discount from any carrier with whom you keep this many policies. Nevertheless, we'll consider it from a rather global view to see another possibility...

I've made up the following rates just to explain this point...


Insurer A

Life insurance: $2,590

Health insurance: $2,200

Auto insurance: $3,500

Home: $2,100


Insurer B

Life insurance: $3,100

Health insurance: $2,400

Auto insurance: $2,500

Florida home insurance: $2,400


Insure C

Life insurance: $2,900

Health insurance: $1,900

Auto insurance: $2,800

Florida home insurance: $2,700


Insurer D

Life insurance: $2,100

Health insurance: $2,300

Auto insurance: $2,750

FL home insurance: $2,600


If, for example, you buy all your policies from insurance company(A), your total insurance spend would be $10390. Though, your total insurance spend will lower to $9351 if you're offered a multi-policy discount of 10 percent. Savings of this order can be called reasonable.

But let's see what you'll get if you pick insurer that offers the best rate for each policy...

Here are the best quotes from different insurers for the different policies: $2,1000 from Insurer A;$2,500 from insurer B;$1,900 from insurer C and $2,100 from insurer C. This offers a total of $8,600 although you weren't given any multi-policy discount.

By extensive shopping and picking the best rates from different carriers, you'd have paid $751 less than a person of similar profile who purchased from the first insurer with a 10% multi-policy discount.

So take your time to discover which pays you better. And a good way to find out is to obtain and compare quotes from up to five insurance quotes sites. The wider the range of quotes you get, the more you will save because you will be able to spot the cheapest quotes available for your profile.

3. You're entitled to a loyalty discount if you've being with an insurer for up to 3 years. Most companies will give discounts once you maintain your policy with them for three years and above. Nevertheless, I do NOT expect that you stick with one insurance company for that long simply because you're looking to qualify for a loyalty discount.

Believe it or not, you will likely find an insurance provider that offers a far cheaper rate than what you are presently paying. That's, if you know how to shop right. Obtain quotes from any good home insurer you know you've never got a quote from and as well always obtain and compare Florida home insurance quotes from up to five quotes sites about twice every year.

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4. You'll probably reduce your rate if you spend time to review your home insurance policy not less than once yearly or whenever things change in your home. That Persian rug Aunt Molly gave you might not just be worth the $10,000 you insured it for at the moment.

Lower your coverage accordingly if it has dropped in value and, as a result, you will save and still have enough coverage. nevertheless, a review may reveal it's now worth a lot more and that you have to buy more coverage. Whichever way it goes, you are covered in either savings or ensuring enough coverage.
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