FLHomeownerinsurance.com - Accurate Quotes and Quality Policies

352-200-2066

  • Home
  • The Buying Process
  • Get a Quote Now
  • Learning Center
  • Contact
  • About
You are here: Home / Homeowners Insurance Articles / Home Insurance in South Florida – What You Need to Know Before Getting a Quote

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

September 2, 2013 by Florida Insurance Agent · Leave a Comment

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…


Share Insurance Knowledge:

  • Click to share on Twitter (Opens in new window)
  • Click to share on LinkedIn (Opens in new window)

Other FL Homeowner Insurance Articles You'll Love:

  1. FL Homeowner Insurance – 6 Steps to Find a Company

Filed Under: Homeowners Insurance Articles · Tagged: Home Insurance in South Florida

Previous article: FL Home Insurance Companies – How They Help Us
Next article: Home Insurance Fort Myers FL – The Real Cost of your Policy

Leave a Reply Cancel reply

Insurance Navigator

  • Home
  • The Buying Process
  • Get a Quote Now
  • Learning Center
  • Contact
  • About

FL Homeowner Companies

  • American Integrity
  • American Strategic
  • Ark Royal
  • American Traditions
  • Modern USA
  • Capitol Preferred
  • Federated National
  • Florida Family
  • Florida Peninsula
  • Gulfstream
  • Peoples Trust
  • Prepared
  • Safeway
  • Safe Harbor
  • Sawgrass Mutual
  • Southern Fidelity
  • Southern Oak
  • St. Johns
  • United P&C
  • Universal P&C

…and 17 more!

FL Homeowner Insurance Learning Center

Is It Possible To Obtain Cheap Home Insurance In Florida?

More and more people move to Florida each year making it one of the four fast growing states in the US. Although there are still a few who only stay in Florida during the northern winter months, a large number of people still prefer to live permanently in this interesting place. It is estimated that […]

Homeowners Insurance – The Buying Process

If you have made the decision to procure your FL homeowner insurance from us, we thank you.  We know you have made the right decision.  This page is dedicated to teaching you how the process is performed. As you may have figured out by now, buying homeowners insurance is not as easy as other insurance products.  What we mean by this is … Continue Reading

Stay Connected

  • LinkedIn
  • RSS
  • Twitter

Join Our Newsletter

Where To?

  • Home
  • The Buying Process
  • Get a Quote Now
  • Learning Center
  • Contact
  • About

Copyright © 2021 · FL Homeowner Insurance | Privacy Policy

Copyright © 2021 · Agency Child Theme on Genesis Framework · WordPress · Log in