Florida Homeowner Insurance -- Learn How To Get Discounts

It's NOT difficult to get very cheap quotes and pay much less for adequate coverage the moment you discover what to do. This write-up will teach you steps you can take to pay less without downgrading the quality of coverage you enjoy...

1. Making your premium payments once every year will save you much when compared to monthly payments. This is because posting 12 bills by mail each month costs your insurer a lot.

If you include the fact that each check you give is considered a transaction by their bankers, you'll see that they still pay some more on transaction charges for each check you pay in. They pay transaction fees 12 times instead of once a year for monthly payments. These and other costs so incurred by your insurer are ultimately borne by you, the insured..

As a result, you'll get lower premiums if you opt to pay your rates yearly. The real amount you could save may differ but expect to save up to a month's premium worth with some insurers if you choose this option.

2. You will as well get a discount if you have motion-sensitive lighting on your property. Thieves understandably do NOT like to operate in any environment they could be easily noticed or caught. Since thieves avoid houses with such lighting, you lower your home's risk of burglary and, consequently, your Florida home insurance rates.

3. The kind of building material you use can save you a great deal in premiums. For example, brick homes are best in states with high winds while frame buildings are better in earthquake zones. So if you live in the East, you'll get more affordable premiums if you buy a brick house. On the other hand, those who live in the West will pay cheaper rates if by buying a frame house because of the earthquakes there. Expect to save a minimum of 5% if you opt for a home with the right material.

4. If you get a sprinkler you'll be eligible for a discount. The reason for this is that a sprinkler system works well in putting off fires. Even though they are by no means affordable, they'll get you considerable discounts.

5. It's more expensive and needless to insure the land on which your home is built. Folks do this ignorantly. They just insure their home for its entire value without subtracting the cost of the land.

If you did this quickly call your agent and check through your coverage. Lower your coverage to the cost of your home and its contents minus the land's value.

This means you will spend a lot less on home insurance. No matter what you do and who you meet, remember that the only things you insure are things that can be lost or destroyed and your land is not one of such.

6. Take out some time to visit a minimum of five insurance quotes sites that provide quotes on home insurance policies. Doing this will take you around 25 minutes. While you visit each site, ensure you input the same details. Doing otherwise will produce misleading results. When you've received your home insurance quotes, compare them to see which serves your interest best in price/value.

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