Shopping for Florida home insurance can be a bit of an uphill battle, not because there are so few top-quality options out there to pick and choose from but because there are so many!
Each and every single year, homeowners end up spending a lot more money on home insurance than they should. It’s not at all challenging to spend a thousand dollars or more each year on your home insurance than necessary.
Thankfully with these tips and tricks you will be able to purchase the right affordable home insurance. It will provide you with plenty of protection and coverage going forward.
Research at least three different offers
The most important thing you can do when searching for proper home insurance at a discount is to look into at least three different offers from three different companies. There is no such thing as one-size-fits-all homeowners insurance. Different companies will offer different plans and packages. All at different price points and some will be better fits for you than others. Without looking into multiple offers you’ll never know if you are getting your hands on the right protection for your needs.
Take advantage of high deductibles
The biggest discounts on homeowners insurance are going to be available to those that increase their deductibles – and that doesn’t mean that you have to shoot your deductible through the roof to enjoy savings, either. Even just moving your deductible from say $500 to $1000 can result in savings upwards of 30% or more right out of the gate, and that’s going to end up helping you save quite a bit of money throughout the year.
Ask about unadvertised discounts
Almost all homeowners insurance carriers are going to offer different kinds of unadvertised discounts. You will want to ask about them directly. You may qualify for some, all, or none of these discounts. The odds are pretty good that you will be able to leverage at least a few unadvertised deals to drop your homeowners insurance costs without cutting coverage.
You’ll never know unless you ask.
A great way to leverage often unadvertised discounts is to bundle your insurance under a single roof. By moving all of your different insurances to a single company you can save a mountain of money along the way.