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Friday, October 23, 2009

Florida Homeowners Insurance -- Seven Proven Tips


You can enjoy high value coverage without paying top price. You just need the right information and the determination to implement what you'll learn to start enjoying a better rate. Here are a number of steps that will help you achieve this goal...

1. Do not insure your home along with the land it is built on as this will cost you more but quite needless. A good number of folks pay much more than they should on Florida home insurance on account of this mistake. They just insure their house for its full value without subtracting the land's cost.

For those who've ignorantly done this, call your agent and go through your FL home insurance coverage again. Subtract the value of your land and use only the cost of your home and its contents.

With such a review you will lower your rates considerably and still leave with enough Florida home insurance coverage. Since insurance is for valuables that you can't afford to lose, insuring the land which can neither be lost or damaged isn't right.

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2. Your rate is influenced by your credit rating. Folks who have excellent ratings spend far less than those who have low ratings. What your credit rating shows is how you have handled your bills and it speaks badly about you if it's a poor one. No insurer likes this as it suggests a behavior you are very likely to repeat in the payment of premiums. This makes you a higher risk to them and you, therefore, are made to pay much more than some other person with similar profile that has an excellent rating.

It will, therefore, be a good step to do something about making your credit rating better. You will attract cheaper rates if you do.

3. Electing to pay your premiums on a monthly basis leads to more expensive premiums than you would pay if you decide to pay annually. A major reason for this is the cost an insurer incurs by posting you twelve bills instead of just one annually.

If you add to the fact that each check you make out is considered a transaction by their bankers, you will see that they still spend some more on transaction fees for each check you pay in. 12 checks are 12 transactions which mean 12 separate transaction charges. And, if you really come to think of it, these additional overheads are ultimately built into your rates.

You will make considerable savings if you begin to pay annually. The real amount you could save may differ but expect to save up to a month's premium worth with most insurance companies if you settle for this option.

4. Make the exterior of your house fire-safe and you will bring down your Florida home insurance rate. Having things that are highly inflammable or that aid combustion close to your dwelling will make you pay higher rates. As easy as it seems, cutting back bushes and maintaining them up to ten feet from your structures will help lower your premium. This is because how fire-safe a house is goes a long way in determining what it will cost to insure it.

5. Motion-sensitive lighting lowers your home's risk of burglary and, as a result, helps you get cheaper FL home insurance rates. Thieves generally don't like to operate in any place they could be easily seen or caught. The risk of burglary is a strong factor in checking a home's risk to an insurance company and, by extension, your rate.

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6. Having dead-bolt locks on all exterior door will lower your FL home insurance rate. This makes it hard for intruders or burglars to have their way. And because a home's risk of burglary is a major factor in calculating your FL home insurance rates, you will spend far less.

7. Having window locks on all your windows will help reduce your home's risk of burglary. You can take this to another level by building in burglary-proof bars on all your windows. Although some folks don't like this because it makes them feel imprisoned in their own house, it really does reduce your premium considerably. If you are not opposed to this quickly fix them in your home and enjoy cheaper rates.
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