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How to get a Cheap Florida Homeowners Insurance Quote

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Home Insurance Quote Tallahassee FL

You Can Quote Me

You probably just typed “home insurance quote Tallahassee FL” into Google and saw all the results. Yeah, there’s a lot.  Every insurer wants you at their site getting a quote from them and making an on the spot decision.

It’s not enough to just get a quote; you need to be able to get the right quote on the right policy and the right riders.  Sound confusing?  You’re not alone.

So, what constitutes a good home insurance quote in Tallahassee, FL?  Well, first, what constitutes a good home insurance policy for Tallahassee?

Bank On It

That depends on what is important to you or your mortgage company in an insurance policy.  Why your mortgage company?  For the same reason the bank that owns your loan has a say in the type of policy you need, to protect their assets.

When you’re in the process of purchasing a home, the mortgage company will give you a specific coverage level they require you to have.  If you’ve owned your home for a while and are looking to change companies, give the bank a call and ask what level of coverage you need.

Show You the Money

Once you know the policy you need, it’s time to get some quotes.  If you go to the website for the Florida Office of Insurance Regulation, you can narrow down the hundreds of property and casualty insurance companies by area.  That way, you’ll only be looking at the ones for Tallahassee and not the ones for, say, Miami.

Check with your friends and neighbors, too.  Some will have the same insurance company.  Make sure you really focus on asking in-depth questions so you can compare the answers about the same company.  If you get a lot of the same answers, whether good or bad, from different people about one company, you can pretty well trust it.

Choice Agent

Get the name of the local agent they use.  Again, some will be […]

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The Basics of Florida Home Insurance

If you own a home or are planning to purchase one, you need Florida home insurance. But even those who already have it may not completely understand what it covers or how it works. So continue reading this article as we cover the basics involved.

Buying a Home      

First, if you’re a buying a home, be sure to factor in the costs of Florida home insurance. I know you probably already feel like you have enough numbers flying around you head, but this is an important one. Without home insurance, you’ll never secure a mortgage because no bank is going to risk that much money on a property that could go up in flames without a single dime behind it.

How to Determine the Amount Insured

There’s lots of different lingo surrounding Florida home insurance, so it’s important you know what you’re doing when trying to secure a policy. For example, you want to make sure you get insurance for the cost of replacing your home (i.e. the construction costs). What you don’t want is insurance for the real estate it’s built on. Also, do not factor in the amount your land is worth. This will needlessly drive up your premiums because you’re not trying to insure dirt and grass.

Other Considerations

But if something happens to your home, chances are it will happen to things within your home too, right? That’s why it’s important you get a home insurance policy that covers them as well.

For example, you want your belongings to be insured. This is often worth half of the amount of the dwelling. Structures around your house may also be insured like your garage, a fence, guest house or pool. There’s also such a thing as “loss of use.” This refers to other living expenses you might have to take on if your home is unlivable due to damages. So things like living out of a hotel and eating at restaurants would be reimbursed—usually […]

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Control Your Home Insurance Costs This Winter

Did you know? Home insurance costs are actually on the rise, what with increasing and/or stagnant mortgage rates and the prospect of having to protect homes in an increasingly deprecating market. Even the condition of a home’s location can affect its insurance rates, so homeowners who have experienced a changing ‘climate’ in their location may be subject to those ‘so-called’ home insurance rates.

 

Homes themselves can also affect how much a homeowner pays for a monthly home insurance premium. In a state like Florida, the weather can beat down on a home, changing its exterior to the point of it impacting its insurance policy. Even severe weather can change how an insurance company secures a policy against a home.

 

Due to parameters like these, it’s up to homeowners themselves to learn how to save money on their home insurance policy. As the seasons change, homeowners should always have options open for an insurance policy that’s both appropriate for their home’s needs and cost effective enough to prevent it from impeding their financial viability.

 

So, can you, as a homeowner, save enough money on a home insurance policy this fall and winter season? Believe it or not, it’s quite possible for any first time buyer to find an insurance policy that fits the needs of their home.

 

Home insurance – the facts

 

Florida is undoubtedly known for its rather extreme weather changes—thunderstorms and lightening, heavy rain showers, tornadoes and hurricanes. The weather, too, affects homes on the coast line just as they affect homes that reside inland. Thanks to this, homeowners without any type of insurance policy on their home is actually doing their home is a disservice for its overall viability.

 

Home insurance in Florida, according to recent statistics from a 2012 industry study, costs at least […]

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