FL Homeowners Insurance -- Seven Sure Tips

You can get high quality coverage without paying top price. All you have to do to achieve this end are little bits of information (Put into good use). Let us now look at a number of time-tested ways to get better rates...

1. It is more expensive but very unnecessary to insure the land on which your home is built. Some people pay much more than they should on Florida home insurance due to this mistake. You have made the same mistake if you insured your house for the cost you purchased it without finding out the cost of the land it is standing on and subtracting it.

If you made this mistake quickly meet with your agent and check through your coverage. Reduce your coverage to the worth of your home and its contents minus the land's value.

Your rate will be more affordable and you'll still have enough coverage if you do this right. Don't ever forget that insuring the land your house is standing on is plain waste of money since it does you no good whatsoever.

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2. Your credit history has a huge impact on what you pay. You will attract higher FL home insurance premiums if you have a poor credit rating. A bad credit rating implies that you have not been paying your bills promptly. This is a pattern that most insurance carriers believe will play out again in the way you pay up your premiums. This marks you out as a bigger risk and so justifies a higher rate.

Therefore, it will do you much good to pay all your bills once they are due. Apart from the other benefits in doing so, it will ensure you get cheaper Florida home insurance premiums.

3. Making your premium payments once every year will save you much when compared to monthly payments. This is because posting twelve bills by mail monthly costs your insurer much.

The cost shoots up if you include the fact that they pay transaction fees for processing each check you give them monthly as payment. They pay transaction fees 12 times instead of once yearly for monthly premiums. And, if you really come to think of it, these extra costs are eventually added to your rates.

Therefore choose yearly payments instead if you intend to make savings this way. You could save up to a month's premium within a year.

4. A fire-safe home exterior will help reduce your rates. Do you have things that could easily aid combustion close to your house? They'll make you get higher rates. Bushes near your house should be cut and maintained at a distance of at least 10 feet from your structure. This is because how fire-safe a house is goes a long way in affecting what it will cost to insure that home.

5. You'll get cheaper rates if you have motion-sensitive lighting in your home. Burglars generally do NOT like to operate in any place they could be easily seen or caught. The risk of burglary is a key factor in calculating a home's risk to an insurer and, by extension, your premium.

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6. Dead-bolt locks on all your exterior doors will help you attract a lower rate. It's more difficult for thieves to break into homes that have these locks. And as you know, the lower the risk of burglary in a home, the lower rates it will get.

7. Window locks on all windows will save you a little since they reduce your home's risk of burglary. You'll save even a lot more if you go further to have burglary-proof bars fixed on all of them. If you are NOT against this have them fitted in your home and get cheaper rates.
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