Quote FL Insurance Blog

You may be rewarded for your loyalty. Many Florida home insurance agencies will reward you with lower rates for staying with them for a certain number of years.

Does your Florida employer offer group home insurance? Take advantage of this offer and possible get a lower rate.

Have you checked the batteries in that smoke detector? Save money on your Florida home insurance and protect your family by equipping your home with smoke detectors or sprinkler systems.

Many Florida counties have high crime rates. Save on your home insurance and keep your house safe by adding an alarm system or new locks.

Florida homeowners may save on their insurance by better storm-proofing their homes. Adding storm shutters or building with quality materials will prevent storm damage and will allow you to raise your deductible and pay a lower monthly premium.

Unhappy with the compensation you received from the storm damage on your coastal Florida property? Work around any no-sue clause in your contract by seeking out an appraiser to accurately assess damages.

Gulf Coast storms often seep water into homes and create mold. Consider protecting yourself from this destructive infestation by purchasing mold infestation insurance for your home.

Do you have law and ordinance coverage on your home insurance? This ensures that you will be compensated to rebuild your home up to Florida code standards.

Does your home have screened rooms or an enclosed pool? In some Florida counties, these areas are not covered by regular homeowner policies and will present an additional cost.

Are you handy and capable of making substantial home repairs? Consider your own skills when choosing the deductible rate on your Florida home insurance.

Some Florida home insurance agencies consider hurricane or storm damage to be flood damage. Make sure your home insurance policy specifically includes flood damage.

Florida no longer requires wind insurance for your home, but check with your mortgage lender before cutting that cost. Your lender may require you to provide this insurance as it covers not only harsh wind but also storm damage.

Are you nervous to skip content coverage on your Florida home insurance because it is no longer mandatory? Take advantage of covering only a percentage of the contents of your home, still cutting the cost of your premium.

Still paying for contents coverage on your home insurance? Florida no longer requires this coverage, possibly saving you hundreds on your insurance premiums.

Who has provided you with the estimate of the value of your home? Choose an engineer or contractor instead of a home insurance agent to get a more accurate estimate of your property.

When planning out the monthly cost of owning a home in Florida, take in to consideration that home insurance has tripled in the past few years for Floridians.

Floridians face hurricanes and seasonal storms that can cause tremendous damage. Is your home secured by windstorm coverage?

Have you considered damage to your property that could be caused by sinkholes? In Florida this is not covered by all home insurance policies and must be added at the request of the homeowner.

Are you insuring your Florida home for its sale value? Only insure your home based on the cost of the house itself by subtracting the cost of the land. You will only be rebuilding the house if it is damaged or destroyed.

Is the cost of home insurance costing too much with wind, floods and hurricanes to consider for your Florida home? Increase your deductible to instantly reduce the cost of monthly rates.