Home Insurance in South Florida – What You Need to Know Before Getting a Quote

According to statistics as of 2012, South Florida population is estimated at 5.67 million. And as more and more people want to get away from high taxes, South Florida population is expected to further increase. But the low tax is not the only great thing about this place. It has a diverse culture and it offers great weather. But since hurricane may be an issue, it is best that you obtain home insurance in South Florida. That said below is a list of things you would want to get covered even before you request for a quote to get a lower premium.

Home Insurance in South Florida

Know the year of construction.

An older home may be more costly to insure as repairs are soon expected. Such is another determining factor for your rates. And just like the square footage, you have to know it exactly and not just by estimates.

Identify the nearest fire hydrant.

One of the more costly damages comes as a result of fire. This is why you have to know if there is a fire hydrant near you. And if there is, you have to know how near it is exactly.

Determine the construction details.

In addition to knowing the year of construction, it is also a must that you know about your house’s construction details. Just how strong the materials used are for laying out the foundation or how sturdy is the roof or the walls can also help with reducing your rates.

Know your coverage limits.

While getting a full coverage for home insurance in South Florida definitely puts you on the safe side, it may not also be necessary in some cases. If you choose a higher coverage that will certainly reflect on the premium. It is then advisable that you get just what you need. In which case, performing an inventory of your belongings is highly recommended before you proceed to getting a quote for home insurance in South Florida.

Evaluate the deductible you can afford.

The higher the deductible is, the lower the premium. If you can afford to spare some to increase your deductible then you are advised to. It will help you save more money in the long run as you can lower your premium to a certain percentage.

Identify the safety features of your home.

Security features such as smoke alarms, deadbolts, security systems and fire extinguishers and other efforts to increasing the security of your home is recognized by the insurer. Such things will entitle you to discounts.

All these things affect your qualifications for certain rates for home insurance in South Florida. See what FLHomeownerinsurance.com can find you in South Florida pertaining to low rates.  We have more than just Citizens available in your area right now.  Request a quote now…


Leave a Reply