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What to look for in Florida homeowners insurance companies

What to look for in Florida homeowners insurance companies

What to look for in Florida homeowners insurance companies


There are many Florida homeowners insurance companies, each with a unique reputation and history. Some are based in the state, while others are national (or even international) corporations with long and storied histories. For a new homeowner, it can be difficult to figure out exactly what insurance provider to use when insuring a home. If you are in the process of finding an insurance company, try to look for realistic premiums, a good track record, and a company that is familiar with claims in Florida.

REALISTIC PREMIUMS

The first thing that most homeowners look at when searching for insurance is for a low price point. There is, of course, good reason for this - premiums that are too high can price a home out of the owner's comfortable price range. With this said, it is important to look not only for a low premium, but also for a realistic premium. Initial price points that are too low can often hide serious problems, the most common of which is an unreasonably high deductible. Try to find a good balance between your monthly payment and out of pocket expenses for repairs.What to look for in Florida homeowners insurance companies


A GOOD TRACK RECORD

Not all Florida homeowners insurance companies are created equal. Everyone has heard horror stories about certain organizations being unwilling or unable to approve claims. It is your duty as a homeowner to do your research and find out exactly how trustworthy your provider is before signing any sort of contract. Most companies are completely trustworthy, but it is worth the time and effort to make sure that you will not be throwing away hundreds of dollars each month. One of the best ways to find a trustworthy provider is to ask other homeowners about their own insurance; if things have gone badly, they will let you know.

FLORIDA SPECIALIZATION

It is usually a good idea to shop local, and this tends to go double for insurance. There is nothing wrong with using a nation wide insurer for your home's protection, but this insurer needs to have significant experience dealing with claims in Florida. Between the well-known issues (hurricane season) and those that are a bit more familiar to residents (moisture damage), there are problems that are very unique to the southernmost state in the continental US. Make sure that your company understands the unique challenges posed by insuring Florida residents, and you will be in good hands.

By finding a Florida homeowners insurance company that is not only familiar with claims in the state, but has realistic premiums and a good track record, you can be sure that your new home is in good hands. While it will take a bit of research to find the right provider, it will be more than worthwhile in the long run. Not only will you end up paying less, but you will also be partnered with a company that has your interests in mind.
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What to look for in Florida homeowners insurance companies