By now we should all know that the cost of homeowners insurance varies by company. Sometimes this variation can be up to hundreds of dollars! If you are deciding whether or not to shop around for online homeowners insurance, here are a few things that you should consider doing if you want lower rates.
Shop around online
Shopping around online may take up some serious time. However isn’t it worth it if you could save a good bit of money? Be sure to check out https://floridainsurancequotes.net/home-insurance/florida-property-insurance/ as they may have a great company in mind too. When it comes to shopping online for a quote. Keep these things in mind.
- You must collect at least 3 quotes
- Review the companies you have in mind
- Be patient
- Determine if you are eligible for discounts
- Know what type of coverage you want
Raise your deductibles
A deductible is the money you pay towards the loss before your insurance company will start to pay on a claim. The higher up your deductible is the more cash that will be saved on your premiums each month. Presently today most insurance companies will recommend a deductible of $500. You may be able to save up to 25% percent by increasing your deductible up to $1,000. All it takes is to collect an online homeowners quote.
Buy your home and auto policy from the same company
If you decide to bundle your home insurance and auto policy, you will be able to receive some great savings. This combined is lower than purchasing the policies each from different companies.
Improve your home to resist disasters
Sometimes a company will offer you a discount if you improve your home to withstand disasters. For example, you can save on your premiums by reinforcing your roof, buying a theft system, or adding storm shutters.
Maintain a great credit score
If you have a great credit history, then you shouldn’t worry. Insurers will use your credit score to determine your homeowners insurance price. If your score isn’t so great, you should try to improve it in order to get better rates. Knowing the information above will help you when you decide to collect a homeowners quote online. Remember that collecting a quote will be one of the only methods that will be able to provide you with the best results. Start your shopping today, get a quote now!