How to Choose Between Florida Homeowners Insurance Companies

With so many Florida homeowners insurance companies out there, it can be difficult to find the perfect fit. After considering what each policy covers and the price thereof, deciding on which provider to go with often seems impossible. Fortunately, there is a formula you can use to determine who should be getting your business and who should go back to the drawing board.

Choosing between Florida homeowners insurance companies is no easy feat, but your first concern should not always be the price of the policy or the notoriety of the provider. Sometimes, locally owned companies offer the better deal while larger corporations charge more. In addition, the customer service offered by smaller companies is typically friendlier and just as knowledgeable.


Tips for Choosing Between Florida Homeowners Insurance Companies


Use the following guidelines to narrow down your search for the best Florida homeowner’s insurance provider:

  • Find Out What Discounts They Offer

Not all Florida homeowners insurance companies are created equally. Some offer their policyholders dozens of money-saving incentives, including discounts for properly installed alarm systems, security hardware, weatherproofing, and energy efficient appliances. Aside from the standard policy bundle discount offered by most, a few Florida homeowners companies give an additional 10-20% off premiums for senior citizens and veterans.

  • Know What the Policy Covers (and What It Doesn’t)

The ideal time to discover what your homeowners policy covers is before you need to use it. Reputable Florida homeowner’s insurance companies will outline your coverage in an easy-to-understand way either via comprehensive documentation, agent instruction, or both. Moreover, you should be presented with several policy options based on your budget and coverage requirements. If at all possible, be sure to get a few quotes before deciding on a policy.

  • Get the First-Hand Experience with Their Customer Service Reps

The quality of any company is usually determined by the expertise and professionalism of its customer service representatives. Florida homeowners insurance companies are no exception. Agents are responsible for handling claims, answering questions, and explaining policies. If they’re not friendly, knowledgeable or easy to work with, it can make having a low-cost policy seem like a high price to pay.

  • Figure Out What/How Policy Changes Occur

Don’t be surprised when something about your coverage changes without your knowledge. Although Florida homeowners insurance companies have every right to make certain adjustments without telling you, there are some things you should try to stay aware of – the effect claims have on your premium, coverage limitations, etc.


Making Home Improvements and Receiving Discounts Can Help to Save on Home Insurance in Texas

Often, new home owners’ sign up for home insurance in Texas without ever realizing they may qualify for various discounts or could make home improvements, which could significantly lessen their insurance costs. Using these tips may help you to understand your coverage, where you can make improvements and save cash on premiums.

Home Improvements


Whether you purchase a new or used home, most homes would benefit from upgrades to improve security. Consider replacing old door locks on exterior doors with deadbolts. Add window locks and additional outdoor lighting to reduce theft.

You might also qualify for discounts after installing a security alarm and camera system. You’ll feel more secure, and the insurance carrier reduces their financial risks when security systems are installed.

Fire Safety

Consider creating a defensible space thirty feet around your home helps to reduce the risk of fire. Make sure flammable liquids and barbecue grills are stored properly and not too close to the house.

Installing fire alarms on each level of a house and maintaining fire extinguishers usually results in discounts.

Disaster Resistance

Home insurance in Texas can be costly. Therefore, whatever you can do to reduce damages to your home may affect your premiums. For instance, if you live on the Texas coastline, you should consider taking proactive steps to hurricane proof your home.

Consider installing shutters to protect windows, and make sure garage doors can withstand hurricane winds. Ask your agent for recommendations about installing tie-downs or lateral anchors to secure your roof, which would be approved for discounts.


Location and Age of the House

Where you decide to purchase a new home can greatly affect the costs you’ll pay for insurance. For example, homes affected by natural disasters like floods, tornadoes and hurricanes are usually much more costly to insure.

Frequently, insurance companies offer small discounts to homeowners when homes are located near fire stations or fire hydrants, which help to reduce risks.

Besides considering natural disasters and fire safety, you need to look at the age of the home you’re purchasing. In essence, older homes cost more to insure because insurance companies are taking on more risks. Older roofs are easily damaged in wind storms and thirty year old plumbing and electrical components are more likely to flood a home or start a fire than components in a newer home. Visit for more helpful tips.

Good Credit Can Make a Difference

Credit scores in Texas have a tremendous impact on the rate you’ll be charged for your home insurance in Texas. Poor credit scores can often increase your costs by as much as 40 percent or more. To avoid high premiums, you should pay bills when they are due. Don’t max out your credit card limits, and don’t carry too many credit card accounts.

Bundling Results in Discounts

Bundling all your insurance needs with one carrier saves money. Most carriers automatically provide discounts when you let them handle your homeowner’s insurance and auto insurance. This not only saves you time and money, but it’s easier to keep track of bills and make payments.

Updating Policies Could Save Cash

Frequently, people apply for home insurance policies and forget to update them as they acquire new personal items or add rooms to their homes. Making sure your policy is always up to date may save you money if you’re still insuring items that you don’t even own anymore.

Senior Discounts

Notify your insurance carrier if you’re 50 years of age or older. You might qualify for a senior discount.

Choosing a home in a good location, making it disaster resistant and adding safety upgrades can help to reduce home insurance in Texas.