In Florida, homeowner’s insurance can be expensive. FloridaInsurance.com offers these money saving tips for homeowners to save money on their homeowner’s insurance.
It’s inevitable. Before you purchase a house in Florida, you must get homeowners insurance to protect against a fire, burglary, or one of countless other disasters. Luckily, there are a few ways to save money on your homeowners. FloridaInsurance.com offers these valuable tips:
Get your homeowners insurance with the same company that has your car insurance. Having multiple policies with the same insurance company can save you money each month. Why? Because the more policies a company has, the more business they have. As a result, they like to reward clients with a better rate on their coverage.
Invest in a home security system. Most insurance companies will provide a discount for ensuring your house in protected against theft or disaster. Talk to a local home security system- most end up free by the time you apply the discount on homeowners for protecting your house. Even if you don’t have money for a home security system, many insurance companies offer discounts for putting protective measures on such as deadbolt locks on the hours, smoke detectors, or sprinkler systems.
Consider making home renovations. The better protected your house is, the more likely you are to get an insurance discount. Look into getting hurricane proof windows, storm shutters, or stronger roofing. Be sure to ask the companies you at looking at whether any of these will qualify you for an insurance discount.
Review your insurance coverage annually. While it’s true you’ll want to be covered in the event of an emergency, don’t necessarily worry about insurance for things you don’t need. For example, insurance for more than your valuables is worth is likely something you can get lowered to save you money. Also, though you will want to make sure you have the money in your emergency funds to cover it, consider raising your insurance deductible. Finally, don’t forget to remember that you’ll likely want to insure the amount it would cost to rebuild your house, not your property. Oftentimes, people insure their land as well, which is not at risk for many things (such as theft) that your insurance covers.
Ask about memberships. If you are a member of any professional organization, military group, or senior citizen group, ask if they offer a discount. Many agencies will consider offering a discount to individuals who are associated with these groups.
To learn more call 1.888.525.2210 visit http://www.floridainsurance.com.