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Tips for Lowering Your Homeowners Insurance Costs

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Use AllQuote to obtain multiple home insurance quotes. AllQuote is the only internet website providing the consumer with immediate feedback on Florida home insurance.

Check your personal credit report.

Many Florida homeowners’ insurance companies check credit histories as part of their evaluation and rating process. If you find some problems, try to address the issues before you apply for new coverage.

Select the highest deductible you can reasonably afford.

A higher deductible can significantly reduce your homeowners insurance premium.

Know your current home insurance policy.

Take the time to study your Florida home insurance policy and determine what is covered. You may not need all the coverage based on your current situation.

Save with discounts.

Ask your advocate regarding any discounts for which you may qualify. You may get a discount if you are a senior citizen or can consolidate other coverages.

Protect your home.

A burglar alarm that is monitored by the security company, or tied directly to the local police station can not only protect your home and belongings – it can save you money. A monitored security system will lower your home insurance premium, typically by 5% or more.

Review your policy regularly.

Insurance companies change their rates often, so you should compare the cost of other home insurance policies to your own at least once a year. Shopping around could save you money. In addition, you should review your policy for any changes that may have occurred that could affect your premiums. For example, a recently installed security system could save you 5% or more. Also, ensure you have adequate coverage for any major purchases or additions to your home.

Insurance Companies

AllQuote currently provides instant comparative quotes for each of the home insurance companies below. By presenting you with up to 45 quotes, AllQuote delivers unparalleled choices in finding the right carrier for your needs and budget. If you would like to learn more about any insurance company, please click on the arrow next to each one to see their contact information and their current rating.

The Florida home insurance market has endured many changes in the last 15 years. Currently, according to statistics provided by the Florida Office of Insurance Regulation, the overwhelming majority of new home insurance policies written in the state of Florida are issued by Florida “domestic” companies and Citizens Property Insurance Corporation. Many brand name national companies are no longer issuing new home insurance policies to Floridians. AllQuote Florida seeks to provide quotes for the companies who are actively issuing new policies in the state.

American Integrity [info] Olympus [info]
American Traditions [info] Omega [info]
Anchor Insurance [info] Peoples Trust [info]
ASI Assurance [info] Prepared [info]
ASI Preferred [info] Safe Harbor [info]
Capitol Preferred [info] Safepoint [info]
Capitol Preferred Preferred [info] Security First [info]
Centauri [info] Southern Fidelity Ins Co [info]
Citizens P&C [info] Southern Fidelity Ins Co, Preferred [info]
Cypress [info] Southern Fidelity Prop & Cas [info]
Cypress Evergreen [info] Southern Fidelity Prop & Cas, Pref [info]
Edison Insurance Company [info] Southern Oak [info]
FedNat [info] St. Johns [info]
First Community [info] Tower Hill Preferred [info]
FL Peninsula Elite [info] Tower Hill Prime [info]
FL Peninsula Preferred [info] Tower Hill Select [info]
Florida Family [info] Tower Hill Signature [info]
Florida Specialty [info] United P&C [info]
Frontline [info] United P&C | Family Security [info]
Gulfstream Preferred [info] Universal of North America [info]
Heritage [info] Universal P&C [info]
Monarch [info] US Coastal [info]
Olympus [info]