Florida has a large coastline and hurricane season all year long, so homeowners insurance is one of the best investments you can make. Whether you have just moved to Florida, or have been here for years and are new to the area, it's important to learn how to protect your family and home with an effective homeowners' insurance policy.
Florida homeowners insurance is on average about 39 per cent more expensive than the average national policy of $1 428. To compare rates and find a policy that protects your home and valuables, you should get quotes.
Finding the best Florida home insurance policy is all about choosing a company with great customer service. J.D. Power tend to be more financially stable and provide excellent customer service, which can save you money in the long run.
Check for discounts
Florida home insurance companies provide discounts that can reduce your premiums. Included are discounts on new policies, discounts on new homes, and discounts if you install hurricane-protection devices at your home.
Improve your credit score
The credit score you have has a big impact on the rate that you pay, so it's easy to lower them. You can raise your credit score by paying your bills on time and avoiding high balances on your credit cards.
Consider bundling your policies
A Florida home insurer may offer you a discount if you insure your car and home through them. That can mean a big savings for the year. It will also reduce the windstorm portion of homeowner's insurance, as a bundle may lower your deductible.
Add protection devices to your home
Adding a deadbolt, smoke alarm, or burglar alarm can reduce your insurance rates because they lower your risk of theft and fire. You should take extra precautions if you live near a high-risk neighborhood where burglaries are common.
Fortify your home against hurricanes
You can assess your roof and siding by having your home inspected. A qualified professional can offer advice on how you can lower your homeowners insurance rates by strengthening the wind defenses of your house.
Get a free quote!
Liberty Mutual has been a leading national insurer for more than 100 year and received an A+ rating by AM Best. It's one of our top recommendations for home insurance in Florida because it has a great reputation for customer service, offers an array of coverage options and has a suite of discounts that can help you pay less.
Not all Florida home-insurance companies will offer you all of these discounts. So, it is important to double check each company and make sure that you're getting the most benefit.
While the average homeowners insurance cost in Florida is not bad, it's still higher than the national average and should be taken seriously. The cheapest Florida home insurance is found at Tower Hill, while Citizens has the highest rates for homeowners with dangerous dog breeds.