Best Florida Homeowners' Insurance -- Six Sure-Fire Tips For Massive Discounts

You don't need to do difficult things in most cases in order to reduce your Florida homeowner insurance rates. Just knowing a few compulsory steps and applying them will make a real difference. Let's go through some of them here...

1. You'll get cheaper Florida home owner insurance rates if you've got motion-sensitive lighting in your home. Burglars will avoid any place where their movement will be easily spotted. And motion-sensitive lighting does this exactly. The risk of burglary is a strong factor in determining a home's risk to an insurer and, consequently, your premium.

2. Endeavor to NOT let your ladders lie around within everybody's reach. They might really attract a burglar. Do not also leave your tools, machinery or such on the lawn or anywhere in the open as they could result to accidental injury and increase your liability claims. They also make breaking and entry much easier for burglars. All such things will eventually increase rate if you don't keep them in the properly.

3. Do not insure your house along with the land it is built on as this will cost you more but quite unnecessary. People who ignorantly do this pay for more insurance than would be of any benefit. They just insure their house for its full value without deducting the cost of the land.

If you made this mistake quickly meet with your agent and re-evaluate your coverage. Reduce your coverage to the cost of your house and its contents minus the land's value.

This means you'll pay a lot less on home insurance. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.

4. Making your premium payments once every year will save you much when compared to monthly payments. A major reason for this is the cost an insurer incurs for sending you 12 bills instead of just one each year.

If you add to the fact that each check you cut is considered a transaction by their bankers, you'll see that they still pay extra on transaction charges for each check you pay in. They pay transaction charges 12 times instead of once yearly for monthly payments. And, believe it or not, these extra overheads are ultimately built into your rates.

So, you will attract lower premiums if you decide to pay your premiums yearly. You could save up to a month's premium in just a single year.

5. Set up your account to pay your rates automatically and you will enjoy lower premiums for that. If you don't know how to do this, ask your bank or agent. In addition to saving you in premiums you'll also save yourself much time and hassles.

6. Visit at least five insurance quotes sites. Requesting quotes from a minimum of five quotes sites raise the chances that you would receive better home insurance quotes. This is because insurers not represented by one site will be covered by the other. Moreover, you know that since your chances of getting lower home insurance quotes is related to the number of quotes you obtain, the more companies you obtain quotes from, the better your chances will be. Getting your home insurance quotes online will help you save much more if you invest just 25 minutes to obtain quotes from a minimum of five quotes sites.

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