Affordable FL Homeowners' Insurance -- 6 Sure-Fire Steps To Massive Discounts

You don't have to do great things in most cases in order to reduce your Florida home owners insurance rates. You may be surprised to find out that all that's keeping you from far cheaper Florida home owner insurance rates are minor things you can easily deal with. Let's look at a good number of them here...

1. You will also get a discount if you have motion-sensitive lighting in your home. Burglars will avoid any place where their activities will be easily noticed. And motion-sensitive lighting does this exactly. Your Florida homeowners insurance rate will be lower you'd have reduced your home's risk of burglary with such lighting.

2. Endeavor to NOT leave your ladders within anybody's reach. Keeping it in such a manner would be making a burglar's job much easier. Do not also abandon your tools, machinery or things like that on the lawn or wherever in the open as they could cause accidental injury and increase your liability claims. Like ladders, tools and such could help a thief in breaking into your home. Keep them away safely and you'll be avoiding a high rate.

3. Ensure you do NOT fail to subtract the land's value from your home's cost while applying for a home insurance policy. Some folks pay much more than they should on home insurance due to this mistake. Insuring your home for the full price you bought it without subtracting the value of the land it stands on is an expensive error.

If you did this quickly meet with your agent and review your home insurance policy. Subtract the value of your land and buy coverage only for your structures and its contents.

Doing this will lower your premiums by a huge margin and still leave with adequate home insurance coverage. Bearing in mind that insurance is for valuables that can be lost or damaged, insuring the land which can neither get lost or damaged isn't right.

4. You'll pay lower FL home owners insurance rates if you elect to pay your premiums yearly and not monthly. This is because posting 12 bills by mail each month costs your insurer much.

If you add to the fact that each check you cut is seen as a transaction by their bankers, you will see that they still spend extra on transaction fees for each check you pay in. 12 checks are 12 transactions which incur 12 different transaction charges. And as with everything else, it's you the end user or insured who bears that cost.

So, you will get cheaper rates if you opt to pay your premiums anually. What you'll save could be as much as 8.5% of your total monthly payments over the course of just one year.

5. Having your premium deducted automatically from your account will get you more affordable FL home owners insurance rates. All you have to do is to advise your bank or credit card company to send your premiums at at a particular time automatically until advised otherwise. Apart from being more convenient, you will be given a discount for this.

6. You might save some hundreds of dollars by just receiving and evaluating quotes from at least five quotes sites. And, it will require only a total of 25 minutes.

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