Florida Homeowner Insurance -- Seven Sure Tips

It is really very easy for you to find the right coverage at a low price. You only need the right tips and the motivation to implement what you'll be taught to start enjoying a better rate. Let us now look at a few proven ways to get better rates...

1. Do not insure your home along with the land it is standing on as this will cost you more but very unnecessary. A good number of folks spend much more than they should on FL home insurance because they made this mistake. They just insure their house for its entire value without deducting the land's cost.

If you made such a mistake, you'll have to review your FL home insurance coverage and go through it again with your agent. Subtract the land's cost and you'll discover that you will need far less coverage.

Doing this will reduce your premiums considerably and still have adequate Florida home insurance coverage. No matter what you do and who you get in contact with, bear it in mind that the only things you insure are things that can be stolen or damaged and your land is not one of such.

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2. Your credit history has a serious impact on your rate. You will pay higher FL home insurance premiums if you have a poor credit rating. A poor credit rating means that you have not been paying your bills in a timely fashion. This is a behavior that most insurance carriers believe will play out again in the way you treat your premiums. If you are considered a likely defaulter, it makes you a bigger risk and attracts much higher premiums than otherwise.

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

3. Electing to pay your rates on a monthly basis leads to more expensive rates than you'd pay if you choose to pay annually. This is because posting 12 bills by mail each month costs your insurer much.

Furthermore, each check you send attracts a transaction fees as well. Twelve checks mean 12 transactions and will attract 12 separate fees.. And as with everything else, it's you the end user or insured who will be responsible for that cost.

You will make reasonable savings if you choose to pay annually. You could save up to a month's premium in just a single year.

4. A fire-safe home exterior will help reduce your rates. Having things that are highly inflammable or that aid combustion close to your building will make you pay higher rates. Even though cutting bushes around your home looks simple, you'll get lower rates if you do keep them at a distance of at least 10 feet from your building. Fire-safety is a major point that determines what you pay in premiums.

5. You will pay less if you've got motion-sensitive lighting for your home's exterior. Burglars understandably don't like to operate in any place they could be easily seen or caught. Since thieves keep off from houses with such lighting, you reduce your home's risk of burglary and, by extension, your rates.

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6. Make sure each door that leads outside has dead-bolt locks. It's more difficult for thieves to break into homes that have such locks. And as you know, the less the risk of burglary in a house, the lower rates it will get.

7. Do you have locks on each of your windows? If you do NOT you will be spending more because of that. You can take this to another level by fixing burglary-proof bars on all your windows. Although most people don't like this because it makes them feel like a prisoner in their own house, it really does lower your premium considerably. If you are not one of those folks who say that having such makes them feel imprisoned in their own home, have them fitted if you intend to reduce your Florida home insurance rates considerably.
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