Florida is a state with a long coast and hurricanes that occur year round. This makes homeowners insurance an important investment. 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. Comparing prices is the best method to find an affordable policy for your home.
You can find the perfect policy by choosing an insurance company in Florida that offers excellent coverage and great customer service. J.D. The companies that have high J.D.
Check for discounts
Florida home insurance companies provide discounts that can reduce your premiums. Some of these discounts include discounts for being a first-time customer, discounts for buying a home and discounts when you install hurricane protection devices.
Improve your credit score
Your credit score has a significant impact on your rate, so improving it is an easy way to lower your premiums. By paying your credit card bills on time and by avoiding high debts, you can improve your credit rating.
Consider bundling your policies
Many Florida home insurance providers offer discounts for insuring both your home and auto with them. This can result in a significant savings over the course a year. The windstorm coverage of your homeowners policy will be reduced as well, because a bundle can reduce your deductible.
Add protection devices to your home
Insurance rates can be reduced by adding a smoke alarm, deadbolt or burglar alarm. These devices reduce the likelihood of fire and theft. It's especially important if you live in a high-risk area where a burglary is a common occurrence.
Fortify your home against storms
Having your home inspected by a wind mitigation inspector can help you assess the condition of your roof and siding. An expert can provide you with tips on how to lower your homeowner's rate by improving your home's defenses against wind.
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Liberty Mutual is a top-rated national insurer with more than 100 years of experience and an A+ rating from AM Best. It is one of the top choices for Florida home insurance, because of their excellent reputation in customer service. They also offer a wide variety of coverage and have a number of discounts.
Keep in mind that not all Florida home insurance companies will offer all of these discounts and it's important to check with each company to ensure you're receiving the maximum benefit from them.
Florida homeowners insurance is more expensive than the national average. The cheapest Florida home insurance is found at Tower Hill, while Citizens has the highest rates for homeowners with dangerous dog breeds.