Best Florida Home Insurance

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.