Live in Florida? Cover Your Assets!

You live in Florida, the land of sunshine and beaches.  It’s also the land of hurricanes, and flooding near the coastline.  Not to mention the myriad other things, natural and man-made that can damage your home, inside and out.  In other words, you need home insurance.

Home insurance companies in Florida run the gamut of good to abysmal, so you don’t want open the yellow pages and use the “close your eyes and point” method to pick one.  This is one of the most important decisions you as a homeowner will face.

After all, whichever home insurer you choose will be helping you during your time of need.  And if you pick a substandard insurance company, you can expect substandard service and poor claim payouts.

So, how do you find the best home insurance companies in Florida?  Do your research!


First things first, you need to know how much insurance needed and how much it will cost, then you can buckle down and find out which insurer to go with. has a tool for consumers to see how much a particular plan could cost them.  Now, this is simply for illustrative purposes, but it’s a great jumping off point before you get a detailed quote from an insurance company.

Consult an Expert

Clark Howard, the nationally syndicated radio consumer expert, has compiled a list of the highest and lowest ranked home insurers in the country.  USAA leads the list, but it only offers home insurance in the state of Florida to active duty military service members stationed within the state.  But not to worry, he has a comprehensive list of which company is good, which is bad, and which is downright ugly!  (And they may not be who you expect!)

He also gives some great tips for lowering your premiums, adding extra riders to ensure the proper amount of coverage, and getting the best policy for the money.

After you’ve decided how much insurance you need, have a general idea of how much it will cost you, and narrowed the field of insurers, don’t forget to check out the Better Business Bureau.  Doing this can help you see how local insurers are rated by their customers, and can help you narrow the field further.

Let Your Fingers Do the Dialing

Now that you’ve got your short list of home insurance companies in Florida to compare, give them a call or simply visit a website to get a quote.  Talk to the local agent and see how responsive he or she is to your needs.  Get an exact quote and ask questions about what the policy covers, what riders are recommended and how much they cost, and what the claims policy is.

Finding the perfect insurance company may seem like a daunting task, but don’t let the process intimidate you.  If you start out with a good idea of needs and budget, do your research, and aren’t afraid to ask questions, choosing the company, policy, and riders you need will be an easier task than you ever thought.

How to Find Reputable Florida Boat Insurance Companies

If you want to access the most trustworthy Florida boat insurance companies like this, you’ll find that utilizing the power of the World Wide Web is very helpful. After all, there is tons of feedback about insurance companies online and looking at this form of feedback is the secret of accessing information from real-life customers.

Look for Client Feedback via the Internet

For example, consider checking out prospective insurance companies that offer boat insurance in Florida by visiting the official BBB website. When you do, you should be able to access letter-grade rankings, as well as information about any customer complaints and how they were resolved.

Without this vital information at your disposal, it may be all too easy to choose one of the “bad apples” in the bunch. Never work with a company that gets a lot of pans from clients who post about their experiences online. It’s much smarter to go with blue-chip boat insurance companies which offer exceptional services and insurance policies to their valued clientele.

Explore a Range of Policy Types

Once you’ve found two or three Sunshine State insurance companies which do insure boats and which do receive acclaim online, you’ll be ready to explore different policy types and premiums. Sometimes, companies offer free and convenient online quote calculators to their valued clientele. These quote calculators make it simple for prospective clients to get the inside scoop on what they’ll get for what they will need to pay. Do take advantage of these calculators if you can, as they are the easiest way to comparison-shop for boat insurance policies.

How Much Insurance Should You Buy?

You need to cover your boat adequately in order to protect your investment. Since most boats are comparatively expensive, it’s important to access a comprehensive level of coverage. For example, if you can afford to access a higher level of coverage for a higher price, it may be wise to consider it. After all, you’ll enjoy knowing that you’re protected in the event that your boat is damaged, stolen or what have you.

With only basic and very affordable coverage, there may be loopholes that leave you uncovered in certain circumstances. It’s very important to read the fine print on policies before you move forward with selecting a policy and provider. In fact, this crucial step should never be neglected…

Now that you know more about how to find the most impressive and well-priced Florida boat insurance policy, you’ll be ready to get the great deal that you really deserve. Without proper coverage, you may not feel safe and secure as you enjoy your vessel.

Start the hunt for proper boat insurance in the Sunshine State by adding the search term, “boat insurance Florida companies” to Google or to another search engine. Then, review companies in order to establish their credibility. Lastly, compare policies and prices in order to be certain that you’re getting as much insurance coverage as possible for the price that you want to pay.

When you follow these simple and practical steps, you’ll be one step closer to finding the right policy type for your needs, from the perfect provider company.