FL Homeowner Insurance -- 7 Proven Tips

Contrary to what you might be made to believe, it's a lot easy to position yourself for a lower rate. You just need the right tips and the motivation to practice what you'll be taught to start enjoying a more affordable rate. We'll now take a look at several proven ways to get this done...

1. Make sure you don't forget to deduct the land's worth from the home's value as you apply for a FL home insurance policy. People do this without knowing. Insuring your home for the full price you bought it without subtracting the land's cost is a big mistake.

If you made such a mistake, you'll have to re-evaluate your Florida home insurance coverage and check it again with your agent. Subtract the land's price and you will realize that you'll need far less coverage.

Your premium will be cheaper and you'll still have sufficient coverage if you do this right. Don't ever forget that insuring the land your house is standing on is plain waste of money because it does NOT give you any added advantage.

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2. The amount you pay is affected by your credit rating. Those who have excellent ratings pay far less than folks who have low ratings. A poor credit rating suggests that you've not been paying your bills in a timely fashion. An insurer takes this to mean that you're not financially very responsible and will likely default in paying your premiums. This makes you a higher risk to them and you, therefore, are made to pay higher than someone else with the same profile that has an excellent rating.

Therefore, it will do you much good to pay all your bills once they are due. You will attract cheaper premiums if you do.

3. You'll get cheaper rates if you elect to pay your rates yearly and not every month. A strong reason for this is the cost an insurer incurs by sending you 12 bills instead of just one annually.

As if that was NOT enough expense, each check you send attracts a transaction fees too. twelve checks mean 12 transactions which mean 12 separate transaction charges. And as with every other thing, it's you the end user or insured who will be responsible for that cost.

You will get considerable savings if you choose to pay annually. You could save up to a month's premium within a year.

4. Ensure that the exterior of your house is fire-safe and your rate will be lower. Having things that are very inflammable or that aid combustion close to your building will make you pay more expensive rates. Bushes near your home should be cut and maintained at not less than ten feet from your structure. This is because how fire-safe a home is goes a long way in shaping what it will cost to insure that home.

5. You will also enjoy a discount if you have motion-sensitive lighting for your home's exterior. Your house becomes less attractive to thieves because they'll be spotted easily. Since thieves avoid houses with such lighting, you reduce your home's risk of burglary and, consequently, your rates.

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6. Do ensure that every door to the exterior has dead-bolt locks. It's more difficult for thieves to break into homes that have these locks. And as you know, the less the risk of burglary in a home, the lower premiums it will draw.

7. Window locks on every window will save you a little since they reduce your home's risk of burglary. You can take this to another level by building in burglary-proof bars on all your windows. If you're not one of those people who have a deep hatred for these kind of fittings, they'll get you reasonable discounts. Therefore, if you are not bothered by having burglary-proof bars in your house, have them built in and you'll pay much less in your Florida home insurance rate.
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