How to Find
the Best Florida Home Insurance
Buying a home
can be an exciting milestone. There are
so many things to do to get ready to move in – decide on paint colors, replace
the doorknobs, update the light fixtures in the kitchen, add landscaping to the
yard. Packing up and coercing a few of
your friends to show up and help load and unload a moving truck can require
skillful negotiation. In the middle of
all the activity surrounding the move, it is important not to overlook finding
the best Florida home insurance possible.
Need some
help to get started? Here’s how to find the best Florida home insurance
plan.
Who Owns the
House?
Chances are
good that you didn’t buy your house outright – you took out a mortgage to help
you pay for your new home. If so, your
mortgage lender will most likely have some specific coverage amounts that they
will require you to have. Check with
your bank or mortgage company to find out the coverage limits that they
require. They want to protect their
investment by making sure that the house is covered in case of an emergency, so
make sure that the plan you select meets their requirements.
Can I Quote
You on That?
Start with FloridaInsuranceQuotes.net. You can narrow down the over 500 companies that write policies in the
state of Florida to companies that operate in your area. Once you've compiled a list of local
insurance companies, ask around to your friends and neighbors. Find out who they use for their homeowner insurance
and find out if they are happy with their agent. When you start to hear the same information
from several people, you probably have a pretty good idea of the “good”
companies and which ones to stay away from.
Harness the
Power
With your
narrowed list, turn to the internet to start collecting quotes from the
companies on your list. Make sure you
select the same options for each company so that you can do a true
comparison. After you’ve collected
quotes from several companies, call the agents to find out more specific
information. The insurance agent will be
up to date on the latest laws and regulations for insurance, as well as be able
to tell you about additional riders and hazards that you need to be aware
of. Make sure you ask questions about
key information: How large is the insurance company? How long does it take to
file a claim and receive a check?
Finding the
best Florida home insurance plan available doesn’t have to be a nightmare. It takes time and a little bit of research,
but it is possible to find a plan that offers the coverage you need without
breaking the bank. So before you move
into that new home, make sure your home – and your belongings – are covered
against accidents and disaster. Then
move in with confidence and enjoy living in the beautiful Sunshine State –
leave the worrying to your insurance agent.
