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Sunshine State Insurers

A quick Google search for the terms “homeowners insurance companies Florida” shows the consumer an overwhelming list of insurers, and a few articles regarding how to choose a company.

Insurers run the gamut from national companies to local companies, from those exclusive to one group (such as military members) to those who cover anyone.  It’s a difficult, if not daunting task to choose, but here are some things that can make it easier for you.

Ask Around

Ask your friends, family, and neighbors who they use, especially your neighbors.  The people who have lived in your area for a long period of time have probably filed a claim or two.  They have learned if their homeowners’ insurance company makes good on claims, or gives you the run around.

Also ask them why they went with their current insurer over another one, what type of policy and riders they have, and why they have them.  Especially if you are new to Florida, you may not know every type of hazard you may face as a homeowner.  Is the area prone to flooding?  Do you need additional hurricane insurance?  Have there been issues with the sewers and do you need a rider for that?

Check Up on Them

Once you’ve got a list of insurers from people you know, and you’ve picked their brains clean of insurance related information, it’s time to do some digging on your own.  Check with the Better Business Bureau for complaints.  It’s a great place to see if there are complaints, what types of complaints there are, and who filed them.  A lot of customer complaints regarding claims?  Time to move on to the next one!

Put Them in the Hot Seat

When you’ve got your short list of potential homeowners insurance companies in Florida, pick up the phone and start calling the local agents that service your friends and neighbors.  They should have formed good, solid relationships in your area, and be fully aware of what risks you need to cover.

Don’t hesitate to ask questions.  You know the old saying, “the only stupid question is the one you don’t ask?”  That old saying applies here.  You don’t want to get stuck with a company you hate, a vanishing insurance agent, or a policy that doesn’t cover anything you need it to cover.

All those questions you asked?  Take notes of the answers.  When you’ve called every agent for your short list, you want to be able to compare notes.  Sit down and compare their answers.  See which ones seem like they are only interested in making money off of you, and which ones really seem to have your best interests at heart.

Picking one out of all of the homeowners insurance companies in Florida may seem like an insurmountable task, but if you go at it with the right frame of mind and aren’t afraid to really ask questions, you’ll have one picked out and ready to go in less time than you think!  Remember, you are going to be calling this agent representing this company when you need them the most, choose wisely.

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