FL Homeowners Insurance -- 7 Tested Tips

Contrary to what you might have thought, it's a lot easy to position yourself for a lower rate. The two things that are holding you from attracting a better rate at the moment are relevant information and a resolve to make use of the recommendations you get -- Nothing more. Let's look at a few sure-fire ways to get this done...

1. Don't insure your house along with the land it is built on as this is more expensive but quite unnecessary. People do this ignorantly. Insuring your home for the purchased price without deducting the land's worth is an expensive error.

If you did this quickly meet with your agent and check through your Florida home insurance policy. Deduct the value of your land and use only the cost of your home and its contents.

Your premium will be less and you'll still have sufficient coverage if you do this right. No matter what you do and who you get in contact with, remember that the only things you insure are things that can be lost or damaged and your land is not one of such.

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2. Your credit history has a big impact on your rate. You'll pay higher Florida home insurance rates if you have a poor credit rating. A poor credit rating suggests that you have not been paying your bills in a timely fashion. This is a behavior that most insurance carriers believe will play out again in the way you treat your premiums. If you're considered a potential defaulter, it makes you a higher risk and attracts more expensive premiums than otherwise.

So do your best possible to pay all your bills in a timely manner. You'll attract lower premiums if you do.

3. Choosing to pay your premiums monthly results in more expensive rates than you'd spend if you choose to pay annually. An insurer sends 12 notices for monthly payments as opposed to one for yearly payments. This increases their overhead.

The cost shoots up if you include the fact that they pay transaction charges for processing each check you send them monthly. twelve checks mean 12 transactions which incur 12 different transaction charges. And as with every other thing, it's you the customer or insured who bears that cost.

So, you'll attract cheaper rates if you choose to pay your premiums annually. The actual amount you could save might differ but expect to save up to a month's premium worth with some insurers if you choose this option.

4. Ensure that the exterior of your home is fire-safe and your rate will be cheaper. Do you have things that could likely aid combustion close to your structure? They'll make you pay more. As simple as it seems, cutting back bushes and keeping them up to ten feet from your structures will help reduce your premium. The risk of fire in a house is a very strong issue that shapes your Florida home insurance rate.

5. You will get cheaper rates if you have motion-sensitive lighting in your home. Your home becomes less attractive to thieves because they'll be noticed easily. Since thieves keep off from houses with such lighting, you lower your home's risk of burglary and, by extension, your premiums.

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6. Dead-bolt locks on all your exterior doors will help you get a cheaper rate. They will make it harder for burglars to break into your home. And as you know, the less the risk of burglary in a home, the lower rates it will draw.

7. Do you have locks on all your windows? If you don't you will be spending more because of that. You will save even a lot more if you go further to get burglary-proof bars fitted on every window. Although some folks do not like this because it makes them feel like a prisoner in their own home, it really does lower your premium by a good amount. So, if you are okay with having burglary-proof bars in your home, have them built in and you will pay much less in your FL home insurance premium.
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