Home Insurance Florida - Lowering Your Florida Home Owner Insurance Rate

The need for Florida home owner insurance is essential, but finding a way to compare rates and getting the best price and quality can be difficult. There are many companies selling home insurance in Florida. The grueling task is deciphering through them all to find the rate that fits your home and lifestyle. After the hurricanes of 2004 – 2005, insurance companies paid out billions of dollars in damages. In order to receive a quote on Florida home owner insurance, agents need to know if your home has no windstorm loss mitigation or the maximum windstorm loss mitigation. Quotes are now based on preparations made to your home’s roof, shutters, and exterior for wind damage. When you have constructed your home to meet the maximum windstorm loss mitigation, your insurance is literally cut in half. It pays to be prepared.

Castle Key (formerly Allstate Floridian) Indemnity Insurance Company, located in Northbrooke, Illinois, offers the lowest rate on a $150,000 Pre-2001 Construction at $1,639.00 compared to the highest rate on this particular home style at $4,527.00 with State Farm Florida Insurance Company. The average cost is $2,400.00 with Liberty Mutual Insurance Company. If the home has the maximum windstorm loss mitigation, the premium for Castle Key Indemnity is $661.00. The State Farm Florida is $1,373.00, a significant savings.

Sunshine State Insurance Company has been in the business of providing Florida home owner insurance since 1997. Your personalized insurance agent will evaluate your situation and help you to determine exactly what products you will need to secure your home and additional coverage added if necessary. Coverage is discounted with the additions of windstorm loss mitigation, fire or burglar alarm system, and wind-resistant construction. If you desire to contact them by phone, the number is (888) 343-7742 or at their location 475 W. Town Place. Suite 210, St. Augustine.

Florida Peninsula Insurance Company will give you a same-day quote on Florida home owner insurance for your home. They offer several plans because they realize that every situation is different and that customers must be treated as individuals. What sets Florida Peninsula a part from other insurance companies is their surplus of capital to protect their customers in loss. For emergencies, the State of Florida requires insurance companies to have on hand $5 million. Florida Peninsula maintains $60 million. They respond to claims quickly because they can. Agents are available by calling this number (877) 229-2244.

Searching and comparing home insurance does not have to be difficult. By using sites that do the work for you, you save time, money and effort. Before choosing an insurance company, make sure that you review 5 to 8 different quotes and the services they will provide for you. A good rule of thumb is to remember that insurance companies need your business more than you need theirs. Keeping that in mind will help you to find the right company for you.