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!
Know Your CHOICES
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.
Floridainsurancequotes.net 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.