10 Questions Before Buying Florida Homeowners Insurance

10 Questions Before Buying Florida Homeowners Insurance

Customizing Your Florida Homeowners Insurance Policy

A Florida homeowners insurance is a necessity to have, to ensure that your home is protected from damage. Before purchasing insurance, there are some questions you should ask before making a final decision on a new homeowner’s insurance policy.

How To Get The Best Deal

Ask your insurance agent to look for the best deal when looking for a homeowner Florida insurance. They can shop around for you and know the latest offers out there and the one’s you can qualify. They have different deals, so make sure you get the right one for your type of home

10 Questions Before Buying Florida Homeowners Insurance
Florida Homeowners Insurance by FIC

The Home’s With Security System

Before purchasing homeowner Florida insurance, your agent will help you search for the company that offers discounts. Usually, homeowner insurance companies give discounts for having a security alarm system. This feature in your home will make your monthly insurance cheaper.

A Discount Depending On Your Age

Yes. Most homeowners Florida insurance companies will give you a discounted price for being over the age of 50!

A House With Working Smoke Alarm System

If you have a working smoke alarm system at home, some companies will give you up to 10% off. The recommendation is to have at least one alarm system for each level in your home.

Are Claims Hard to File?

This is the most important aspect in choosing the right insurance company. Because if the company takes too long or is willing to fight you until you give up, that’s probably the wrong company. When you need the money for repairs, the last thing you want to do is having a hard time filing the claim.

10 Questions Before Buying Florida Homeowners Insurance

What Plan Do I Need?

There are many different plans for homeowners insurance. Your agent should be able to disclose you the most appropriate for your home and budget and needs.

How Much Can You Afford?

You must be able to afford your policy before you purchase it. Pick an insurance premium that won’t get you in debt in the long run. Look for a plan with a higher deductible and a lower premium to save some money.

Plan Covers Water Damage?

Flooding and water damage are two of the most common problems when purchasing a home. However, some Florida homeowner insurance policies do not cover it. If they do not, you should consider getting a protection plan somewhere else because you could be paying for it the long run.

Updating Electrical System or Plumbing

If you recently updated the electrical or plumbing system, you could be entitled to saving hundreds on your premium. Both updates will make it cheaper to insure. Remember to tell your agent to include these when getting a homeowner insurance quote.

What Coverage Are You Getting

Knowing what you are getting is the key for last minute misunderstandings. For instance, many people do not know that flood damage is often excluded in the Florida homeowners insurance policy. This could be disastrous as flood damage can happen anywhere. Make sure you know what you are getting before you purchase it!

FIC Insurance Agency

Do you need more information about Florida homeowners insurance? Our agents can assist you with any questions regarding insurance policies, and they will be more than happy to search for the best insurance quote. We are an agency that put our customers first because we firmly believe that communication is essential in delivering exceptional customer service experience. We look forward to getting you the most affordable insurance plan without compromising quality. Whether its home insurance, auto insurance, business insurance, or health insurance, give us a call 1-800 582-4342 or click HERE and start saving today!

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